These are the top pet insurance providers on the market today. Read on for in-depth details on features, plans, and pricing.
24/7 claim pre-approval hotline
Special “unlimited” plan available
Insures any pet over 7 weeks old
Pets Best was founded in 2005 in order to help pet owners prepare for the unexpected expenses of veterinary care. The company uses all online claim filing, so you don’t need to send medical records unless requested, and most claims are processed within 5 days, with the funds deposited directly into your bank account.
The company’s services are very flexible and are designed so that any pet owner should be able to find one that works for them. You can sign up for unlimited annual plans, as well as routine care and exam fee coverage. Customers can also access phone, text, and chat support, as well a a 24/7 pet helpline.
Costing is based on the pet’s breed and age, as well as the customer’s location and coverage plan. Coverage for dogs at as little as $9/month and for cats only $6/month. Plans cover hereditary and congenital conditions, as well as visits to any licensed veterinarian, emergency clinics, and specialists.
With over 100,000 pets insured across the United States, Pets Best is the biggest name in the pet insurance industry. The company has an outstanding reputation with a 9.6 out of 10 on TrustPilot and an A+ from the BBB.
Up to 90% reimbursement on veterinarian bills
Annual deductible, not per incident
Freedom to visit any vet or specialist
Alternative therapies included in coverage
The American Society for the Prevention of Cruelty to Animals (ASPCA) offers a comprehensive health care package that allows customers to receive a refund of up to 90% of their medical expenses. This includes for a wide range of health care needs, ranging from cancer, dental disease, behavioral issues, hereditary conditions, and more.
ASPCA pet insurance can also cover alternative therapies and more advanced therapies that many people may not know are available for pets, such as stem cell therapy and acupuncture.
Users can customize their coverage, and can opt for an accident-only plan that only covers injuries. You can also opt for preventative care coverage for an additional cost.
Whichever plan you select, you will not be subject to lifetime or per incident limit, though there is an annual limit to coverage and you can pick whichever veterinarian you prefer, so you aren’t limited to only professionals chosen. If your annual limit is set at $5,000 for instance, once you reach that amount during the year you won’t be able to receive any further reimbursements until the end of the year.
In addition, the service will cover any cat or dog from 8 weeks age and up. There is no maximum pet age.
Up to 90% reimbursement from any pet visit
Use any veterinarian you want
Upgrade or downgrade your plan at any time
Coverage for behavioral therapy and training
Embrace is a top-rated pet insurance company that offers accident and illness coverage and is committed to a core value to “service both the pet community at large and our own communities at home.”
The company also gives customers a fair amount of flexibility when it comes to building a plan’s reimbursement percentage, annual maximum payment, deductible, and more.
In addition to insurance coverage, you can also purchase wellness rewards to cover routine care in addition to the accident and illness coverage provided by the overall plan. The plan also facilitates the adoption of rescue or shelter dogs, which often have unknown health histories.
The company also covers behavioral therapy that is for specific injuries or illnesses.
Embrace will never drop a pet based on age or health status though after 14 years you will be limited to an accident-only policy.
The company has an annual deductible ranging from $100-1000. The higher the deductible the lower the monthly cost, down to as low as $13. The company can also give you a discount if your pet is spayed or neutered or if you’re a veteran, and you get $50 off your deductible for each year that you don’t file any claims.
One of the most attractive features of the company is that it can cover congenital conditions, which can really help if you have a pet that suffers from breed specific problems.
Your pets, just like the rest of your family, will need medical treatment at some time during their lives. When your pet falls ill or encounters an emergency situation, the last thing you want to worry about is the large expense that will come with the visit to the vet or the overnight stay at the animal hospital.
Like health insurance for people, this insurance is in place to cover the expenses of wellness treatments, illness and unexpected emergencies. In most cases you can choose the vet you would like, and the insurance can be structured to fit your needs and budget, reimbursing you for a portion of your bills. Insurance providers cover different types of pets and conditions; some only provide cat and dog insurance, while others cover all types of exotic pets.
Insurance benefits may include:
Compare pet insurance providers and plans; whether you are trying to find the best pet insurance for dogs, cats, birds or monkeys, or simply looking to compare pet insurance companies head-to-head, the right company is available for you.
In order to compare, speak with pet insurance providers and read reviews to understand what they offer. Make a list of your pets needs and your budget. Keep in mind that many pre-existing conditions may not be covered under newly acquired plans.
With the proper plan, your pets can be insured for a lifetime and you can protect and keep them safe. Your pet is relying on you.