Last Updated October, 2022
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Editor's Choice
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Online claims process with compassionate customer service
  • Extensive coverage policy
  • Direct payment option
  • Facility to postpone payments
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Flexible wellness plan with timely claims processing
  • No lifetime limit
  • Offers optional Wellness Rewards
  • Affordable monthly costs
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Unlimited annual plans recommended by vets
  • No lifetime caps
  • No age limits
  • Low premiums
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Coverage with no age criteria for a wide variety of pets
  • Wellness plans offer 90% reimbursement
  • Low-cost monthly insurance premium
  • Quick payouts and better coverage
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24/7 online vet assistance and a breezy claims process
  • Covers hereditary conditions
  • Reputed customer service
  • Feature like Pet Cloud technology
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Everything you want in insurance - simple, accessible, affordable
  • All specialist/emergency expenses covered
  • No upper age limit for enrolment
  • Customizable plans
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Comprehensive pet insurance plans with multiple perks
  • 5% discount for users purchasing online
  • No lifetime/per condition claims limit
  • App available for iOS and Android
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Insurance with 90% coverage, unlimited payouts, and easy claims
  • Offers up to 90% reimbursement
  • No minimum age for enrollment
  • Quick and easy claim process
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Star Ratings
Flexible insurance coverage for your furry friends
  • Coverage of unlimited accidents and illnesses
  • Affordable monthly premiums
  • Alternative treatment offers
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24/7 emergency claims line, pet specialists, and preauthorization
  • Up to 90% reimbursement
  • Coverage for unexpected illnesses and accidents
  • Vet exam fees are included
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Quick and easy insurance policies for your pet
  • Prompt customer service
  • Simplified claiming process
  • Offers 10% discount for multiple pets
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Customizable pet insurance plans that meet your needs and budget
  • BBB rating of A+
  • Discount of 5% for multiple pets
  • Coverage also applicable in Canada
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Everything you need to know about pet insurance

As a pet parent, it’s natural to be constantly worried about your fur baby’s health. Unfortunately, despite ensuring healthy diets, and an abundance of love and affection, we cannot protect our pets from some illnesses or accidents which call for expensive medical assistance. At times, lack of funds might inhibit you from getting the best veterinary help. Not only this situation can gravely impact the health of your pet but also your emotional well-being. Do you know what’s the most effective way to counter such unanticipated circumstances? This is when pet insurance steps in!

A good pet insurance policy will help you get the best medical attention for your four-legged munchkin. However, before buying pet insurance, here are some things that you need to pay attention to so that you can land the most feasible deal.

Shop for insurance as soon as possible

It is critical to get insurance when your pet is young. This is because most insurance providers don’t cover a sufficient number of illnesses for older pets. Moreover, they universally don’t offer coverage for any pre-existing conditions. Therefore, by the time your pet develops any condition you might be unable to get a plan that could have helped you reimburse the expenses for their checkup, diagnosis, and treatment. Even if the insurer agrees to manage costs for older pets, you will have to deal with the inconvenience of pricey premiums.

Get both, accident and illness coverage

It is wise to get an insurance plan that covers expenses for both, accidents and illnesses. In the long run, this might not only save you money but will also offer you with some peace of mind for leaving no stone unturned.

Scrutinize the fine print

It is very important that you not take the highlighted features of the plan into account but also carefully read the fine print. For instance, check if they cover routine checkups, diagnostic tests, follow-ups, hospitalization, alternative treatments and certain types of prescription medications.

Certain breeds are more likely to develop some genetic conditions

Therefore, ensure that you research your pet’s breed and if the insurance company will cover illness that might affect your pets as the age. Also note, that some insurers will only cover congenital or hereditary conditions if you enroll for a coverage plan before the pet’s second birthday.

Apart from the factors stated above, you should compare different plans to know what works the best. Therefore, avoid picking the first plan that comes your way.

Types of pet insurance plan:-

At the moment, the following are some common types of plans offered by pet insurance companies.

Accident-only plans

As the name suggests, such plans will only cover medical expenses in an event where your pet has sustained any injuries such as broken bones or burns due to an accident. These will not provide coverage for any illness-related veterinary expenses.

Pet wellness plans

This coverage option reimburses money for preventive and routine treatments including flea and tick treatments, vaccinations, and wellness exams.

Time-limited plans

Such plans only cover certain conditions for a specific amount of time and a specified amount of money. For example, an insurance company will cover $1800 for a chronic disease that will be only valid for 12 months. Time-limited policies are more affordable than comprehensive plans.

Maximum-benefit plans

Like time-limited plans, maximum benefit plans will also cover a certain amount for a health condition. The only difference is there are no time constraints. The coverage offered can be indefinitely used to manage treatment costs. The insurance will stay valid until the maximum limit has been reached.

Lifetime policies

A comprehensive type of policy, lifetime plans are comparatively more expensive than other pet insurance plans. They usually cover treatments for chronic illness, surgeries, and hospitalization expenses. These are worth the investment, especially if your pet is more likely to develop any genetic illness.

Costs of pet insurance:-

Before getting pet insurance, it is important to understand that there are multiple costs involved in it. On an average, a monthly premium for pet insurance can be anywhere between $20 and $40. The premium prices will vary based on the type of coverage plan and additional benefits. Moreover, the quotes will different for different locations. For example, premiums in New York City will are expected to be 20% to 40% higher than the average cost. The same goes for deductibles.