Your pet is a treasured member of your family. And, while we all want our pets to stay healthy forever, we sadly that is not a reality. Pet medical bills can become a big financial burden if you aren't protected with pet insurance.
Pet insurance, like regular medical insurance, can make it much easier to pay for expensive or unexpected medical procedures. Read through our review below to help you select the right pet insurance company for your furry friend.
Top 5: Pet Insurance Company Reviews
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You can rest assured that your furry friend will be covered against illness or injury with a Pet Assure plan. Pet Assure has been providing pet insurance since 1995, so they are a well-established company.
Getting your pet or pets signed up is easy. You can enroll through a Pet Assure plan through your employer. Then, you'll be given an ID card to bring to your veterinarian to receive discounts on in-house services.
You'll enjoy discounts that can really add-up on services such as dental cleaning, vaccines, dental exams, sick visits, surgical procedures, ultrasounds, tumor removals, and more. For example, you'll save $11.50 on a routine exam, $29.50 on vaccinations, $24.00 on in-house lab work, and 118.75 on dental cleaning and X-rays. Every in-house medical procedure will be covered by Pet Assure; there are no exclusions.
There are many reasons to love Pet Assure. There are no age limitations, no deductibles, no limits on the amount of times you'll be able to receive your discount, no forms to fill out, and no pets are excluded because of pre-existing conditions. Plus, Pet Assure accepts any and all types of pets, so you'll be able to find coverage for your dog, cat, rabbit, horse, or any other animals you may own.
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You've likely heard of Nationwide, but did you know that they also offer pet insurance? You can sign up for a plan through your employer, or if your employer isn't listed, there are other plan options for you to choose from. With pet insurance through Nationwide, you'll be able to use any veterinarian, so you won't need to worry about finding a new vet for your pet.
There are three different plan types you can choose from based on your preferences and your pet. The Whole Pet with Wellness plan will provide you coverage for routine exams, X-rays, lab tests, prescriptions, chronic conditions, hereditary conditions, surgeries, wellness visits, and more. This is the most comprehensive plan type.
The second plan you can choose is the Major Medical Plan. This plan will provide coverage for exams, X-rays, lab tests, surgeries, chronic conditions, prescriptions, and some hereditary conditions. The final plan option, The Pet Wellness Plan, will cover wellness exams and test, vaccinations, and heartworm and flea preventatives.
There are plans designed for dogs and cats, so you'll be able to pick the perfect plan to cover your four-legged friend. If you're having some trouble deciding which plan is right for you, there is a handy buying guide on Nationwide's website that can walk you through some of the things to think about to make sure you select the right option.
Once you've selected your plan and signed up, you'll be able to bring your pet to the vet. After their visit, simply send a claim to Nationwide, and you'll receive a check reimbursing you for part of the visit.
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You'll find a lot of reasons to love FIGO pet insurance. Reviews.com rated FIGO has the best pet insurance in 2017, 2018, and 2019.
There are three different plan options for you to choose from: The Essential Plan, the Preferred Plan, and the Ultimate Plan. All of the plans include chronic conditions, emergencies and hospital stay, diagnostic testing, congenital and hereditary conditions, and cancer treatments.
The main difference between the three plans is the total amount you'll be eligible to receive in annual benefits, should your pet need them. The Essential Plan provides $5,000 to $10,000 in annual benefits, the Preferred Plan provides $10,000-$14,000 in annual benefits, and the Ultimate Plan provides an unlimited amount of benefits each year.
FIGO offers and app called FIGO Pet Cloud. The app can help you set reminders for pet care items or appointments, help you process claims, and find a vet in the event of an emergency. You'll also be able to connect with other pet parents through the app.
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You'll be able to customize the perfect insurance policy to match your needs, the needs of your pet, and your finances with Embrace. Embrace lists four main reasons they're the best option when you're looking for pet insurance.
First, they offer a diminishing deductible. With the diminishing deductible, your annual deductible is reduced by $50 each year that no claims are made.
Instead of simply excluding all pre-existing conditions like other insurance companies do, Embrace will differentiate be incurable and curable conditions. If your pet has a curable condition and goes 12 months without having any symptoms or needing treatment, their condition will become covered.
Embrace also offers rewards for the routine care you're already providing your pet. You'll get reimbursed for training, grooming, preventative care from your vet, and more. Embrace also provides coverage for examination fees, unlike many other insurance companies.
An insurance plan from Embrace provides coverage for as much as 90% of your pet's medical bills related to accidents, dental illnesses, genetic conditions, illnesses, cancer, and chronic conditions. Additionally, you'll receive coverage for behavioral therapy specialist cares, alternative therapies, emergency care, prescriptions, mobility devices, and more.
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Your cat or dog's age won't be used as a reason to exclude them from receiving insurance coverage with Petplan. As you long as your pet is six weeks or older, you can enroll them in a plan from Petplan. Additionally, your insurance policy will never be canceled simply because your pet has gotten 'too old.'
When you sign up for a policy with Petplan, exam fees are included in your coverage. This can save you as much as $250 on each visit to the vet. Holistic veterinary treatment is also covered by Petplan, if that is your preferred treatment method for your pet.
Another thing that is covered by a Petplan policy is dental procedures. When your pet receives annual dental exams, any non-routine dental treatments will be covered by Petplan. Many other insurance companies offer minimal or no dental coverage.
Once you've signed up for a policy, simply take your cat or dog to the veterinary as you normally would. Any licensed veterinarians in The United States or Canada are covered.
After your visit, submit your claim using the Petplan app or on your computer. Once your claim is approved, you'll receive reimbursement for a portion of the services.
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Buying Guide
Signing up for pet insurance can provide you peace of mind and help you save money on your pet's medical bills. Knowing that you'll be able to afford to pay for any procedures your pet will need, whether they are routine or life-saving, can take a lot of stress off of your plate. However, not all pet insurance companies are the same, so you'll want to take a little time to evaluate what each plan you're considering has to offer.
First, you should look at what is covered or excluded in each of the plans you are considering. Do they accept pets with pre-existing or hereditary conditions? The answer to this question will be especially important if your pet has one of these conditions, otherwise they may not be covered.
It is also important to find out if prescriptions will be covered. As with humans, prescriptions for pets can be expensive and may add up quickly if your pet gets sick.
You should also consider the type of coverage you are looking for. Are you looking for insurance that will cover every check-up, or are you more interested in just making sure your pet is protected in the event of a major illness or injury? The answer to these questions will impact the price you're likely to pay.
You should also pay attention to the co-pay you'll owe at each visit, the deductible, and the total premium as you are comparing the different plans.
Another important thing to consider is the background of each insurance company. Are they reputable and trustworthy? What do other customers who have used them say?
Finally, you should decide whether you want an insurance plan or a discount plan. An insurance plan is similar to the health insurance you have, while a discount plan will help you save on different procedures and veterinarian visits after paying an annual fee.
Top Pick
After reviewing the five pet insurance companies above, we've concluded that Pet Assure is our top pick. Pet Assure is a discount program provided through your employer that will help you save on all the in-house services your pet receives at your veterinarian's office.
All pets are eligible for a Pet Assure plan; there are no exclusions based on age or pre-existing conditions. When you sign up for a plan, you'll save on every procedure that is performed at your vet's office, even routine exams.
Commonly Asked Questions
What Does Pet Insurance Cover?
You'll need to look closely at the specific plan you purchase, but in general, pet insurance will provide protection if your pet gets sick or has an accident. Depending on the plan you choose, your pet should be covered if they get cancer, develop allergies, get an infection, or get hit by a car.
Does Pet Insurance Cover Medication?
Medications that are part of a routine treatment, such as flea or tick medications, probably will not be covered by pet insurance. However, prescriptions for illness or to treat an injury will most likely be covered by your pet insurance.
What Does Pet Insurance Cost?
The cost of pet insurance can vary depending on the plan you choose and your pet. On average, most insurance plans will cost between $30 and $50 each month.
How Many Pet Owners Have Pet Insurance?
Only around 1% or 2% of pet owners have pet insurance for their cat or dog.
Final Verdict
Your small yearly fee will certainly pay off when you see how much you're able to save on every trip to the vet. Check to see if your employer offers Pet Assure, so you can sign up today!
