The Top Pet Insurance Providers For Covering Your Pet

Spread the love

Having a pet changed your life because a pet brings happiness and diversity of love to a family. But pet also brings a significant amount of expenses because pets are not immune to disease or pain from any injury. A pet can contract any ailment, including life-threatening diseases, and the owner will need money to cover the costs of a vet and a hospital. As a result, pet owners must obtain pet insurance and have insurance when purchasing a pet.

According to the ASPCA, the average household spends $225 per year on routine medical costs for a dog and $160 per year on basic medical costs for a cat. There are various firms that offer pet insurance, however here we analyze dozens of pet insurance companies and select the six that best meet the bill.

We are giving you the list of select companies on the basis of cost, coverage, waiting periods, claim processing time, unique features, and overall customer satisfaction.

Best pet insurance
  • Best overall: Spot
  • Runner-up: Embrace
  • Best for cat insurance: Pets Best
  • Best for dog insurance: Lemonade
  • Best for accident-only coverage: ASPCA Pet Health Insurance
  • Best for accident and illness: Healthy Paws
  • Best for exotic pets: Nationwide
# Spot Pet Insurance
  • Cost

    The best way to estimate your costs is to request a quote

  • Policy highlights

    Spot Pet Insurance provides accident and illness coverage as well as accident-only coverage for cats and dogs. It offers a range of reimbursement rates, annual limits (including an unlimited policy), and deductibles to tailor your coverage to your specific needs and budget. For an additional cost, preventative care procedures and exams (including a dental cleaning and wellness exam) are covered.

  • Standout features

    There are no upper age limits for new enrollments to Spot and plans include coverage for microchipping. The spot also offers access to a 24/7 veterinary helpline to address questions about wellness and health concerns.

    What made us choose Spot?

    Spot is a Florida-based pet insurance company that offers policies in all 50 states. It does not offer many add-ons but does offer a wellness plan, Wellness Rewards.

    Our rating for Spot shows that the sample rates are in the middle of the pack: $38.73 per month for a dog, and $17.18 per month for a cat. In addition to exam fees, microchipping, and tests, its accident-and-illness plan covers cancer, dental illnesses, digestive illnesses, and infections, among others. Treatments and procedures relating to injuries are covered by the accident-only plan.

    The company offers two levels of Wellness Rewards coverage, Gold and Platinum, as well as a discount for insuring multiple pets.

    Depending on the policy, policyholders can choose from a variety of annual deductibles, reimbursement rates up to 90%, and unlimited coverage.

     

# Embrace Pet Insurance
  • Cost

    The best way to estimate your costs is to request a quote

  • Policy highlights

    You may personalize coverage to your needs and budget thanks to a range of maximum yearly limits, reimbursement options, and deductibles. Accident policies have a two-day waiting time, which might help get your pet covered sooner, whereas illnesses have a 14-day waiting period.

  • Standout features

    Embrace offers the option of unlimited annual coverage limits. It also offers coverage for non-invasive treatments, like chiropractic care, hydrotherapy, and acupuncture.

    What made us choose Embrace?

    Embrace Pet Insurance provides annual coverage limits that are unlimited, as well as options for accident and illness coverage and accident-only coverage. The BBB has given Embrace an A+ rating after receiving numerous positive reviews from customers.

    There is a 24/7 pet helpline at Embrace, and customers can take advantage of a 10% discount if they have more than one pet. You can take advantage of Embrace’s unique Wellness Rewards program or a medical history review after purchase if you are concerned about pre-existing conditions.

    For pets under 15, accident and illness coverage is available. Pets over 15 can only get accident coverage. There is a 48-hour waiting period for accident coverage, a 14-day waiting period for illness coverage, and a six-month waiting period for orthopedic conditions, which can be waived through a waiver process.

     

# Pets Best Pet Insurance
  • Cost

    The best way to estimate your costs is to request a quote

  • Policy highlights

    Pets Best stands out for its low prices and is available in all 50 states. While wellness policies are available, Pets Best specializes in accident-only and accident and illness policies.

  • Standout features

    Pet’s Best covers cats and dogs as young as 7 weeks old and has no upper age limit. It is possible to pay your veterinarian directly.

    What made us choose Pets Best? 

    The insurer provides a variety of options for customizing a policy and has several plans that provide unlimited coverage. The insurer offers coverage in all 50 states and has shorter waiting periods than other insurers we examined: three days for an accident and 14 days for an illness. Pet-related questions can be answered 24 hours a day, 7 days a week, by the insurer’s Pet Helpline, which is available 24/7.

    In addition to policies covering accidents and illnesses, Pets Best offers a plan that only covers accidents. Its accident-and-illness plans cover injuries caused by accidents, illnesses such as cancer, hereditary conditions, and congenital conditions. Hospitalizations and surgeries are also covered, along with some tests and scans.

    The accident-only plan covers bites, lacerations, fractures, and other conditions caused by accidental injury. Wellness coverage is optional.

    For a dog, Pets Best offers a sample rate of $26.51 per month. For a cat, it offers a sample rate of $11.76 per month. Pets Best offers a multi-pet discount and a military discount.

    The accident-only plan has set terms: A $250 deductible, a 90% reimbursement rate, and a $10,000 annual limit. The accident-and-illness plans offer various deductible options.

     

# Lemonade Pet Insurance
  • Cost

    The best way to estimate your costs is to request a quote

  • Policy highlights

    Lemonade provides inexpensive pet insurance alternatives for basic accident and illness coverage, with wellness options available for an additional fee. You can add coverage for behavioral problems, acupuncture and chiropractic care, and dental illnesses to your policy.

  • Standout features

    For an additional fee, a special puppy/kitten preventative care package is offered, which can assist pay for immunizations, parasite testing, microchipping, and spaying or neutering operations. Lemonade also provides injury insurance with a 2-day waiting period.

    What made us choose Lemonade? 

    Lemonade’s policy isn’t available in all 50 states. It is available only in 37 states. It has one plan that covers accidents and illnesses, and it offers a broader array of add-ons than most in our ratings. Accidents and illnesses have a two-day waiting period, while illnesses have a 14-day waiting period.

    There is one Lemonade plan that covers pets from accidents and illnesses. The plan covers injuries, illnesses like cancer and diabetes, as well as allergies and arthritis. The company’s base plan also covers medications and diagnostic tests, and wellness coverage is available as an add-on for $35 per month. For dog insurance, it charges $31.01 per month, while for cat insurance, it charges $16.63.

    You can customize Lemonade’s premiums by choosing a deductible amount, an annual benefit limit of up to $100,000, and reimbursement rates between 70% and 90%.

    There are several optional coverages, including coverage for vet visits, physical therapy, and dental care.

     

# ASPAC Pet Insurance
  • Cost

    The best way to estimate your costs is to request a quote

  • Policy highlights

    The ASPCA’s pet insurance has been in operation since 1997, making it one of the industry’s oldest providers. Coverage begins at eight weeks of age and has no upper age limit. All policies come with a 30-day money-back guarantee if no covered claims are submitted.

  • Standout features

    An app simplifies the claims filing process, and reimbursements are available via direct transfer. Horses are covered by ASPCA pet insurance.

    What made us choose ASPCA? 

    The ASPCA Pet Health Insurance plan is offered by PTZ Insurance Agency, Ltd., which has been in business since 1997 and offers coverage not only for dogs and cats but also for horses.

    ASCPA stands out for its comprehensive pet insurance plans, which cover a range of typical and less common conditions – from accidents and injuries to hereditary, congenital, and breed-specific issues. Alternative care, behavioral therapy, stem cell therapy, and microchipping are also included. Pre-existing conditions may be accepted without exclusions (except for ligament or knee issues) if the pet is cured and free of symptoms and treatments for 180 days. Furthermore, the company offers a 30-day money-back guarantee if no claims are made as well as a 10% discount when more than one pet is insured.

     

# Healthy Paws Pet Insurance
  • Cost

    The best way to estimate your costs is to request a quote

  • Policy highlights

    Healthy Paws provides accident and illness coverage with no upper limit. It provides three deductible and reimbursement alternatives.

  • Standout features

    While Healthy Paws only offers one plan, it includes things that most insurers would consider extras, like prescription medication, alternative treatments, and hereditary illnesses.

    What made us choose Healthy Paws?

    There is only one standard accident and illness policy offered by Healthy Paws, which keeps things simple by offering affordable prices and unlimited annual coverage. In addition to pet insurance, Healthy Paws also runs a non-profit foundation that helps animal rescue organizations care for sick homeless pets.

    Unlike many pet insurance companies, Healthy Paws does not offer a wellness plan. Although there are no multiple pet discounts, you can choose any licensed veterinarian, and most claims are processed within just two days.

     

# Nationwide Pet Insurance
  • Cost

    $10,000 per year for Whole Pet plans. $5,000 per year or unlimited for Modular plans.

  • Policy highlights

    Nationwide sells plans in all 50 states and, unlike most pet insurers we researched, covers animals other than dogs and cats. Its policies can cover accidents and diseases, and it also offers wellness coverage.

  • Standout features

    An app simplifies the claims filing process, and reimbursements are available via direct transfer.

    What made us choose Nationwide? 

    The Nationwide Whole Pet plan covers a wide range of accidents and illnesses, including hereditary conditions, and reimburses a percentage of your vet bill, up to a limit. The Modular plan allows you to mix and match different types of coverage and pays a set amount for each condition, regardless of what your vet charges you. The Modular plan is only available by phone at the moment and covers a range of conditions.

    Its sample rates are among the highest in our analysis of insurers — $61.62 per month for a dog and $28.47 per month for a cat. Wellness plans can be added to Modular or Major Medical plans or purchased separately. Wellness plans are not available in all states or with Whole Pet.

     

Frequently Asked Questions (FAQs)

Is surgery covered by pet insurance?

Whether a pet insurance policy will pay for surgery depends on the reason for the procedure. For example, an accident-only plan may cover an injury, but not a chronic illness. In addition, pre-existing conditions are typically excluded from coverage. Elective procedures such as spaying/neutering may be included in some policies, however.

In pet insurance, what is a deductible?

You are responsible for covering your deductible in pet insurance, just like you would any other type of insurance. Your pet insurance policy reimburses you for your costs less your deductible. You’ll choose the amount of the deductible when you pick it, typically $100 to $1,000. Once you’ve met your deductible, you’ll be reimbursed up to your coinsurance level (generally 70% to 90%), which you selected when you selected your policy.

Is it possible to get pet insurance after a diagnosis?

You can still get coverage after your pet has been diagnosed with a condition. However, it will be considered a pre-existing condition, and may not be covered. Additionally, there’s usually a waiting period before coverage kicks in, so it is unlikely that new pet insurance plans will cover illnesses and diagnoses right away.

Is pet insurance accepted by all vets?

Unlike human health insurance policies, pet insurance plans work differently; you pay your veterinarian upfront and then submit a claim to your pet insurer to be reimbursed. You can take your pet to any licensed clinic with this system, regardless of whether your vet is in or out of the network.

More Keywords Related To Pet Insurance:
  • nationwide pet insurance
  • embrace pet insurance
  • best pet insurance
  • lemonade pet insurance
  • pets best insurance
  • healthy paws pet insurance
  • spot pet insurance
  • aspca pet insurance
  • is pet insurance worth it

Leave a Comment