As pet owners, we want the best for our furry friends, including their health care. Pet insurance is a great way to ensure that your pet is covered in case of illness or injury. In this article, we’ll take a look at some of the best pet insurance options available, as well as answer some common questions about pet insurance.
What is Pet Insurance?
Pet insurance is a type of insurance policy that covers the cost of veterinary care for your pet. Just like human health insurance, pet insurance can help offset the cost of unexpected injuries or illnesses. Some policies even cover routine care such as vaccinations and check-ups.
When you purchase a pet insurance policy, you’ll pay a monthly premium. In exchange, you’ll have coverage for a variety of potential expenses related to your pet’s health. Depending on the policy, this can include coverage for accidents, illnesses, surgeries, and even preventative care.
Top Pet Insurance Companies
Choosing the right pet insurance company can be a daunting task. To make it easier for you, we’ve rounded up some of the best pet insurance companies based on customer reviews and benefits offered.
Company |
Monthly Premium |
Annual Deductible |
Maximum Benefit |
|---|---|---|---|
Healthy Paws |
$20 – $60 |
$100 – $500 |
Unlimited |
Embrace |
$13 – $90 |
$100 – $1,000 |
$5,000 – $30,000 |
Petplan |
$20 – $100 |
$100 – $1,000 |
Unlimited |
Figo |
$10 – $100 |
$50 – $500 |
Unlimited |
Nationwide |
$35 – $80 |
$100 – $1,000 |
Unlimited |
As you can see from the table above, there are a lot of options for pet insurance. It’s important to consider factors such as monthly premium, annual deductible, and maximum benefit when choosing a policy.
Healthy Paws
Healthy Paws is a popular pet insurance company that offers comprehensive coverage for dogs and cats. Their policies cover accidents, illnesses, and even genetic conditions. One of the best things about Healthy Paws is that they have no annual or lifetime payout limits, so you can rest assured knowing that they will always be there to cover your pet’s needs.
In addition, Healthy Paws has a quick and easy claims process. You can submit your claim online and expect to receive reimbursement within a few days.
Embrace
Embrace is another great option for pet insurance. They offer comprehensive coverage for dogs and cats, as well as the option to add on routine care coverage. One of the best things about Embrace is that they offer a diminishing deductible, which means that your deductible will decrease by $50 each year that you don’t have a claim.
In addition, Embrace has a 24/7 pet health line that you can call for advice on your pet’s health. They also have a great mobile app that allows you to manage your policy and file claims.
Petplan
Petplan is a pet insurance company that offers comprehensive coverage for dogs and cats. Their policies cover accidents and illnesses, as well as options for wellness coverage. One of the best things about Petplan is that they offer customizable policies, so you can choose the coverage that best suits your pet’s needs.
Petplan also offers a 24/7 vet helpline that you can call for advice on your pet’s health. They also have a free mobile app that allows you to manage your policy, file claims, and even access your pet’s medical records.
Figo
Figo is a newer pet insurance company that offers comprehensive coverage for dogs and cats. Their policies cover accidents and illnesses, as well as preventative care. One of the best things about Figo is that they offer a cloud-based platform for managing your pet’s health. This includes a pet cloud that stores your pet’s medical records and allows you to easily share them with your vet.
In addition, Figo has a pet finder feature that can help you locate your pet if they go missing. They also have a mobile app that allows you to manage your policy and file claims.
Nationwide
Nationwide is a well-known insurance company that also offers pet insurance. Their policies cover accidents, illnesses, and even hereditary conditions. One of the best things about Nationwide is that they offer a variety of plans, including a wellness plan for routine care.
Nationwide also has a 24/7 vet helpline that you can call for advice on your pet’s health. They also have a mobile app that allows you to manage your policy, file claims, and even access your pet’s medical records.
FAQ: Frequently Asked Questions
Is pet insurance worth it?
That depends on your individual situation. If you have a pet that is prone to health issues or if you want to have peace of mind knowing that your pet is covered in case of an emergency, then pet insurance is definitely worth it. However, if you have a young and healthy pet, then you may not need as much coverage.
What does pet insurance cover?
Pet insurance can cover a variety of expenses related to your pet’s health. This can include accidents, illnesses, surgeries, and even preventative care such as vaccinations and check-ups. Some policies even cover alternative therapies such as acupuncture and chiropractic care.
How much does pet insurance cost?
The cost of pet insurance can vary depending on a number of factors, including your pet’s age, breed, and location. On average, you can expect to pay around $30 – $50 per month for coverage. However, some policies can be as low as $10 per month, while others can be $100 or more per month.
When should I get pet insurance?
The best time to get pet insurance is when your pet is young and healthy. This will help ensure that they have coverage for any future health issues that may arise. However, it’s never too late to get pet insurance. Even if your pet is older or has pre-existing conditions, there are still insurance options available.
How do I choose the right pet insurance policy?
When choosing a pet insurance policy, it’s important to consider factors such as monthly premium, annual deductible, and maximum benefit. You should also consider what type of coverage you need for your specific pet. For example, if you have a dog that is prone to hip dysplasia, then you may want to choose a policy that covers hereditary conditions.
What is not covered by pet insurance?
Most pet insurance policies do not cover pre-existing conditions. They also may not cover routine care such as grooming or boarding. Some policies may also have exclusions for certain breeds or types of pets.
Conclusion
Pet insurance is an important investment for any pet owner. It can provide peace of mind knowing that your furry friend is covered in case of an unexpected illness or injury. There are many great pet insurance companies to choose from, so be sure to compare policies and choose the one that best fits your pet’s needs.