If you’re a pet owner, you know how important it is to keep your furry, feathered, or scaled friend happy and healthy. One way to do that is by investing in pet insurance. But with so many options available, how do you know which one is right for you and your pet? In this article, we’ll take a look at the top pet insurance providers, their policies, and customer reviews to help you make an informed decision.
Why Do You Need Pet Insurance?
Just like humans, pets can get sick or injured, and veterinary bills can quickly add up. According to a recent study, the average cost of treating a dog with cancer is $10,000, while the cost of treating a cat with diabetes can be as high as $9,000 over their lifetime. Pet insurance can help cover these unexpected costs, so you don’t have to choose between your pet’s health and your finances.
But not all pet insurance policies are created equal. Before you buy, it’s important to do your research to find a provider that offers the coverage you need at a price you can afford.
Top Pet Insurance Providers
There are many pet insurance providers on the market, but a few stand out as the best options for most pet owners. Here are our top picks:
Provider |
Monthly Cost |
Deductible |
Coverage |
Customer Rating |
|---|---|---|---|---|
Healthy Paws |
$20 – $60 |
$100 – $500 |
Accidents, illnesses, cancer, hereditary conditions |
4.9/5 |
Petplan |
$20 – $80 |
$100 – $1,000 |
Breeding, dental, behavioral, holistic, emergency care |
4.6/5 |
Embrace |
$13 – $60 |
$200 – $1,000 |
Accidents, illnesses, dental, alternative therapies |
4.7/5 |
Healthy Paws
Healthy Paws is consistently ranked as one of the top pet insurance providers on the market. They offer comprehensive coverage for accidents and illnesses, including cancer and hereditary conditions, with no per-incident, annual, or lifetime limits. Their policies have a flat deductible and reimbursement rate of up to 90%, making it easy to understand what you’ll pay out of pocket. Healthy Paws has a customer rating of 4.9 out of 5 on Trustpilot, with customers praising their quick and easy claims process and excellent customer service.
Monthly cost: $20 – $60
Deductible: $100 – $500
Coverage: Accidents, illnesses, cancer, hereditary conditions
Customer rating: 4.9/5
Petplan
Petplan offers customizable policies that cover everything from routine care to emergency and specialist care. They also offer coverage for behavioral therapies, alternative therapies, and even cloning. Their policies have an annual deductible and reimbursement rate of up to 90%. Petplan has a customer rating of 4.6 out of 5 on Trustpilot, with customers praising their comprehensive coverage and responsive customer service.
Monthly cost: $20 – $80
Deductible: $100 – $1,000
Coverage: Breeding, dental, behavioral, holistic, emergency care
Customer rating: 4.6/5
Embrace
Embrace offers customizable policies that cover accidents, illnesses, dental care, and alternative therapies. They also offer wellness rewards, which provide cashback for routine care expenses like vaccinations and checkups. Their policies have an annual deductible and reimbursement rate of up to 90%. Embrace has a customer rating of 4.7 out of 5 on Trustpilot, with customers praising their affordable premiums and knowledgeable customer service.
Monthly cost: $13 – $60
Deductible: $200 – $1,000
Coverage: Accidents, illnesses, dental, alternative therapies
Customer rating: 4.7/5
Pet Insurance Reviews: What Customers Are Saying
When it comes to choosing a pet insurance provider, customer reviews can be a helpful tool for understanding the company’s strengths and weaknesses. Here are a few things customers are saying about our top picks:
Healthy Paws Reviews
“Healthy Paws has been a lifesaver for our family. Our dog had several health issues in the past year and every time we have submitted claims, Healthy Paws has come through with prompt service and payments. Their customer service is top-notch and we are very happy with our choice of pet insurance provider.” – Jana R.
“I wish I could give Healthy Paws ten stars! Their claim process is so easy and they are always prompt with reimbursement. I have recommended them to several friends and family members who have also had great experiences with the company.” – Jessica D.
Petplan Reviews
“I have had Petplan for several years now and have been very happy with their coverage and customer service. They have always been very responsive to my claims and their online portal makes it easy to manage my policy.” – Ashley S.
“I am so glad I chose Petplan for my pet insurance needs. They have covered everything from routine care to emergency surgeries, and their customer service team has been so helpful throughout the process. I would definitely recommend them to other pet owners.” – Susan L.
Embrace Reviews
“Embrace has been a great choice for my family’s pet insurance needs. Their policies are affordable and straightforward, and their customer service team is always available to answer any questions I have. I would definitely recommend Embrace to other pet owners.” – Emily B.
“I have been with Embrace for several years now and have always been pleased with their coverage and service. They really seem to care about their customers and their pets, and I appreciate their commitment to providing affordable pet insurance options.” – Matt T.
FAQ: Frequently Asked Questions About Pet Insurance
Q: What does pet insurance cover?
A: Pet insurance policies can cover a variety of expenses, including accidents, illnesses, surgeries, and routine care. Some policies also offer coverage for alternative therapies, behavioral therapies, and boarding fees.
Q: How much does pet insurance cost?
A: The cost of pet insurance can vary depending on your pet’s breed, age, and health history, as well as the level of coverage you choose. On average, pet insurance costs between $20 and $60 per month.
Q: How does pet insurance work?
A: Pet insurance works by reimbursing you for veterinary expenses after you pay the bill. You’ll typically need to pay the veterinarian directly, and then submit a claim to your insurance provider for reimbursement.
Q: Is pet insurance worth it?
A: Whether or not pet insurance is worth it depends on your individual circumstances. If you have a young, healthy pet, you may not need insurance. But if you have an older pet, a breed that is prone to health issues, or a limited budget, pet insurance can help ensure that your pet gets the care they need without breaking the bank.
Q: Can I get pet insurance for pre-existing conditions?
A: Most pet insurance providers do not cover pre-existing conditions, meaning conditions that your pet had before you purchased the policy. However, some providers may cover certain pre-existing conditions if you can demonstrate that your pet has been cured for a certain period of time.
Conclusion
Investing in pet insurance can provide peace of mind and help ensure that your furry friend gets the care they need when they need it. By researching the top pet insurance providers, carefully reading their policies, and reading customer reviews, you can find a policy that meets your needs and budget. With the right policy in place, you can focus on what really matters: enjoying your time with your beloved pet.