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Most pet owners treat their pets like part of the family. We aim to provide our furry companions with all the love and care we could muster, and at times, this could involve spending for veterinary care. Vaccinations, surgeries, and emergency treatment for your Fido could set you back hundreds of dollars, so it’s important to be financially prepared in the event that he falls ill or meets an accident. This is where good pet insurance coverage comes in. If you’re looking for a reliable pet insurance provider, we rounded up five of the most trusted and well-reviewed pet insurance companies for you.
Premium is just one of the things you need to look at when shopping for the right pet insurance provider. While you want pet insurance that’s affordable, you’d also want to make sure you get a policy with good coverage that includes routine checkups, common illnesses and accidental injuries, immunizations and preventive care, surgical discounts, prescription drugs, ER and specialty care, and additional liability plans. Plans may also differ according to how much the insurer is covering veterinary bills, as well as how fast insurance claims are processed.
1. Healthy Paws
Healthy Paws is a top choice for pet insurance because of its straightforward, no-nonsense Unlimited Lifetime Plans. If your pet has no pre-existing conditions and you just want to ensure that he’s protected no matter what happens, Healthy Paws offers unlimited lifetime benefits that covers emergency and specialty care, accidents and illnesses, chronic conditions, x-rays, blood tests, and ultrasounds, cancer care, hereditary and congenital conditions, surgery, prescriptions, and alternative care.
Healthy Paws’ Unlimited Lifetime plan has no caps on payouts for your pet’s medical expenses, and you can enjoy the benefits once you’ve paid your annual deductibles. Making a claim is made easy using Healthy Paws mobile app. As long as you use any licensed US veterinarian, you can get reimbursement within 3-10 business days. Get pet insurance from Healthy Paws starting at $100. You can get veterinary bill coverage of up to 60%-90%.
Every product is independently selected by (dog-loving and dog-owning) editors. Things you buy through our links may earn okfido a commission.
Figo is a pet insurance provider that offers customizable plans to suit any budget. For an annual deductible of as low as $100, you can avail of a maximum annual coverage amount of $10,000 for unexpected injuries or illnesses. You may also choose to pay higher annual deductibles to maximize your pet insurance benefits, such as unlimited coverage and up to 100% reimbursement rates with licensed veterinarians in the US, Canada, and Puerto Rico.
Figo claims to be the first “cloud-based” pet insurance provider, which means all transactions are handled using a cloud-based email or login. Policyholders can easily file claims, make payments, obtain policy documents, renew policies, and even receive reminders when it’s time for another immunization using the system. If you’re after convenience on top of basic pet insurance, Figo might be the right fit for you.
3. Pet’s Best
Pet’s Best is another A+ rated pet insurance provider that has been providing standard coverage for accidents, illnesses, and emergency care since 2005. Unlimited benefits are offered with the company’s top-tier Elite plan, although you’d find that its lower-tiered plans are also competitively priced. Coverage for prescription medication is also included, not available in many other pet insurance policies. You’re offered some flexibility in terms of annual deductibles, which start for as low as $50 and a maximum of $1000.
You have the power to choose what kind of coverage you want to pay for with Pet’s Best. For instance, there is the availability of an Accident Only Plan to cover you in case of emergencies only. The plan comes with an annual limit of $10,000, for an annual deductible of $240 with 90% reimbursement. This option doesn’t include exam fees or specialty treatments, but is clearly one of the most affordable pet insurance policies available.
4. Pet Assure
Pet Assure is one of the longest serving and most trusted pet insurance providers, having been around since 1995. Other than cats and dogs, Pet Assure also offers coverage for other types of pet animals. The provider has single dog, single cat, family (two to four animals of any size), and unlimited insurance coverage plans.
Pet Assure is a popular choice for many because of the 25% discount pet owners can get on veterinary services and supplies, without the need to file a claim for reimbursement. The discounts are valid with any veterinary clinic in the company’s network of providers. If you have a pet that requires continuous medication, Pet Assure is a great option for you. Just make sure your vet works with the company first if you don’t want to have to change to another veterinarian.
Embrace is known to provide comprehensive pet insurance at affordable pricing. With Embrace, you get basic coverage for hospitalization and surgery, exam fees, emergency and specialist care, diagnostic testing, and dental illnesses. Coverage for cats and dogs may also include breed-specific, congenital, and genetic conditions, as well as cancer treatment, alternative therapies, mobility aids, rehabilitation, and prescription medication.
The company is the first to introduce a diminishing deductible policy, which lessens $50 on your annual deductible for every year that you don’t make an insurance claim. Should you need to file a claim, payouts are based on the actual veterinary bill and not on a set price for a service or procedure.
The right pet insurance provider gives great value for money, comprehensive coverage, fast claims processing, and maximum reimbursement, on top of a good reputation, excellent customer service, and additional benefits. If you’re just applying for insurance for your pet for the first time, we advise asking your chosen providers for a quote and making a careful comparison to see which plans would be best for your pet’s needs. Normally, you can just go to the provider’s website, type in some details about your pet, and get a quote for free.
Costs would typically vary based on your pet’s breed, age, health conditions, your location, and other factors. It could take some time and careful research but as far as your furbaby’s health is concerned, the right insurance coverage is definitely worth it.