Pet Insurance Reviews

Best Pet Insurance

We put 10 different Pet Insurance companies through our rigorous review process. Over 30 aspects were reviewed and Healthy Paws Pet Insurance came out on top.


1st Place – HealthyPaws Pet Insurance

HealhtyPaws Pet Insurance has been in business for over 4 years and maintains an A- BBB Rating and is accredited with the BBB as well. They are another company that provides coverage for all illnesses and accidents and offers their customers one simple and comprehensive plan.


Runner Up – Embrace Pet Insurance

Embrace Pet Insurance has excellent coverage plans and even includes breed specific issues. They maintain an A+ rating with the BBB and have an accreditation.


Pet Insurance Buyer’s Guide

Pet owners are very serious about taking care of their pets and sometimes that can really add up when it comes to providing the best veterinary care for them.  Pet Insurance companies offer pet owners the chance to save money on health care for their pets without having to sacrifice the quality of that care.  Pet insurance policies have gotten more popular over the years as pet owners discover that they fulfill a need that can make the quality of life better for their pet AND keep their wallets from being drained.  Their pets are living longer, feeling better and staying healthier.  It offers pet parents a lot of peace of mind to know that the medical needs of their pets are taken care of.

There are a few things you need to know about pet insurance policies to make sure that you choose the best company and best plan for your animals. Pet insurance is available for dogs and cats, starting at the puppy/kitten stage and going on up.  If your animal is very old already some companies won’t be able to offer a policy, but this can be checked out with each individual company.

There are a lot of pet insurance companies out there and it can get a little confusing trying to figure out which one is really the right one for their pets.  Armed with the right information and the knowledge of how these policies work, you can make the best decision for your pets and your budget.

How Pet Insurance Policies Work

pet-insurance-policiesWhen a pet owner has a pet insurance policy, their pets are covered when illness or injury occurs.  Certain insurance policies cover specific things and there are exclusions, such as pre-existing conditions the dog or cat may have had prior to getting the policy, so it is extremely important that the pet owners know exactly what is covered and what is not to avoid any problems with reimbursement if the pet needs to be taken to the veterinarian or emergency animal hospital.

One of the most important parts of the process of purchasing a pet insurance policy for your pets and making it something that really saves you money is to understand exactly what the plans cover and what they don’t.  Most pet insurance policies don’t cover any kind of preventative care, but that isn’t the case for ALL of them, so be sure to really check into each one and find out what they offer for their customers.

The process of a pet insurance policy is pretty simple, but there will be some variations from company to company. Not all of them offer the same benefits or extras so doing some homework ahead of time and researching several, you can compare them to see which fits the needs to you and your pet family the best.  Over all though, the steps are similar; when your pet gets injured or sick, you take them to a licensed veterinarian or emergency pet hospital to be seen and taken care of.  The vet takes care of the pet and fixes whatever it wrong, if it can be fixed, including medication, surgeries, etc.  They will give the pet owner an invoice with the procedures done and the diagnosis.  You will be responsible for paying the bill upfront, but after that, you will turn in the invoice along with a claim form and you will be reimbursed by the pet insurance company in the amount you chose.

Most companies offer a choice of 70, 80 or 90 percent reimbursement of the bill.  When you sign up for your policy, you will choose the amount of reimbursement you want and also choose a deductible. Once the deductible is paid, the company will reimburse you the rest of the percentage chosen.

The most common mistakes that are made by a policy holder that prevent reimbursement include not submitting the claim within 90 days of the date of treatment (or whatever term the individual company requires, this could vary from company to company)  and not submitting the required medical records the company needs to see. Incomplete claim forms are also a culprit to not having a claim covered.

The only other reason a claim would not be paid is if what was done to treat the animal was not covered under the policy, but the pet owner should know this ahead of time by studying their policy and making sure they know the procedures and coverage they have.

Pet Insurance Comparison

COSTS
healthypawsHealthy Paws Pet Insurance embrace-logoEmbrace Pet Insurance petsbestPets Best Insurance trupanion-logoTruPanion Pet Medical Insurance petfirstPetFirst vpilogonewVPI Pet Insurance petpartners_logoPetPartners aspcaASPCA Pet Health Insurance petpremiumPet Premium Pet Health Insurance petplanPet Plan Pet Insurance
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Reimbursement Amount 70-90% 65-90% 70-100% 90% 70-90% Determined by benefit schedule 80% 90% 70-90% 80-100%
Deductible Type Annual Annual Annual Per Condition Per Incident Per Incident Annual Annual Annual Per Condition
Deductible Amount $50-$500 /Yr $100-$1000 /Yr $0-$1000 /Yr $0-$1000 /Yr/Condition $50-$500 /Incident $100-$1000 /Incident/Year $100-$1000 /Yr $100, $250, or $500 /Yr $100, $250 or $500 /Yr $50-$200 /Yr/Condition
Monthly Payment Estimate $15-$90 $8 – $60 $5 – $90 $12- $90 $16- $68 $12 – $60 $5 – $100 $8 – $80 $10 – $80 $13 – $100
POLICIES
healthypawsHealthy Paws Pet Insurance embrace-logoEmbrace Pet Insurance petsbestPets Best Insurance trupanion-logoTruPanion Pet Medical Insurance petfirstPetFirst vpilogonewVPI Pet Insurance petpartners_logoPetPartners aspcaASPCA Pet Health Insurance petpremiumPet Premium Pet Health Insurance petplanPet Plan Pet Insurance
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Age Limits to Enroll Over 8 weeks and less than 14 Years old Over 6 weeks/Over 14 can get accident insurance only Over 7 weeks Over 8 weeks Over 8 weeks Over 6 weeks and less than 10 years old Over 8 weeks (dogs) and 10 weeks (cats) and Under 9 years for illness coverage. Accident coverage for over 9 available Over 8 weeks and less than 13 years old (dogs) and 15 years old (cats) Over 8 weeks and less than 12 years (dogs) and 14 years old (cats) for levels 2, 3, 4. Over 6 weeks
Waiting Period 15 days after policy starts/12 months for hip dysplasia 14 days after starting the policy 3 days after starting the policy for accidents/14 days after for illnesses 30 days after starting the policy 1 day after starting the policy for accidents/14 days after for illnesses 14 days after starting policy/12 month wait for cruciate ligament injuries and any hereditary conditions 1 day after for accidents and preventative care (if applicable) 30 days after for illnesses 30 days after starting the policy 1 day after starting policy for accidents and wellness care/30 days after for illnesses 24 hours after starting the policy for accidents/14 days for illnesses
Exclusions Pre-Existing Conditions Pre-Existing Conditions/ Hereditary and Congenital conditions if it is suspected that they started before coverage was in place Pre-Existing Conditions Pre-Existing Conditions Pre-Existing Conditions and Some Hereditary and Congenital conditions Pre-Existing Conditions and Congenital Conditions Pre-Existing Conditions/ Congenital Conditions Pre-Existing Conditions/ Hereditary and Congenital not covered on all plans Pre-Existing Conditions/ Congenital and Hereditary Conditions Pre-Existing Conditions
Cancel Anytime
30-Day Money Back Guarantee
QUALIFICATION
healthypawsHealthy Paws Pet Insurance embrace-logoEmbrace Pet Insurance petsbestPets Best Insurance trupanion-logoTruPanion Pet Medical Insurance petfirstPetFirst vpilogonewVPI Pet Insurance petpartners_logoPetPartners aspcaASPCA Pet Health Insurance petpremiumPet Premium Pet Health Insurance petplanPet Plan Pet Insurance
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Choose Own Veterinarian
Physical Exam Needed for Enrollment (restrictions apply)
COVERAGE
healthypawsHealthy Paws Pet Insurance embrace-logoEmbrace Pet Insurance petsbestPets Best Insurance trupanion-logoTruPanion Pet Medical Insurance petfirstPetFirst vpilogonewVPI Pet Insurance petpartners_logoPetPartners aspcaASPCA Pet Health Insurance petpremiumPet Premium Pet Health Insurance petplanPet Plan Pet Insurance
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Alternative Medicine
Medication
Dental Accident Care
Unlimited Lifetime Benefits with No Limits on Claims
No Restrictions on Hereditary Conditions
No Restrictions on Congenital Conditions
BUSINESS RATINGS
healthypawsHealthy Paws Pet Insurance embrace-logoEmbrace Pet Insurance petsbestPets Best Insurance trupanion-logoTruPanion Pet Medical Insurance petfirstPetFirst vpilogonewVPI Pet Insurance petpartners_logoPetPartners aspcaASPCA Pet Health Insurance petpremiumPet Premium Pet Health Insurance petplanPet Plan Pet Insurance
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Insurance Carrier Rating A+ A+ A- Unrated A+ A+ A+ A A+ Unrated
BBB Rating A- A+ A+ A+ A+ A+ A+ A+ A- A
BBB Accredited Yes Yes Yes Yes Yes Yes
# Years in Business 5 12 35 11 11 33 2 30 12
HELP & SUPPORT
healthypawsHealthy Paws Pet Insurance embrace-logoEmbrace Pet Insurance petsbestPets Best Insurance trupanion-logoTruPanion Pet Medical Insurance petfirstPetFirst vpilogonewVPI Pet Insurance petpartners_logoPetPartners aspcaASPCA Pet Health Insurance petpremiumPet Premium Pet Health Insurance petplanPet Plan Pet Insurance
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All Accidents and Illnesses Covered
Free Online Quotes
Online Signup
Email Support
Telephone Support
Social Media
FAQs Section
CLAIMS
healthypawsHealthy Paws Pet Insurance embrace-logoEmbrace Pet Insurance petsbestPets Best Insurance trupanion-logoTruPanion Pet Medical Insurance petfirstPetFirst vpilogonewVPI Pet Insurance petpartners_logoPetPartners aspcaASPCA Pet Health Insurance petpremiumPet Premium Pet Health Insurance petplanPet Plan Pet Insurance
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Easy Claims Process
Company Reimburses You
Extra Coverage Options (Routine Care, Breeding, Elective care, etc) No Yes with an extra fee charged Yes with an extra fee charged No Yes with an extra fee charged Yes with an extra fee charged Yes with an extra fee charged Yes with an extra fee charged Yes with an extra fee charged No

A Glossary of Common Pet Insurance Terminology

pet-insurance-glossaryThe terminology that is present in a lot of pet insurance policies may be unfamiliar to many people.  Outlined below is a list of the most common terms used and the definitions.  Having this knowledge can really help pet owners understand their policies fully so there is no confusion when it comes time to file a claim or purchase a policy.

  • Accident – An unexpected event that causes injury to your pet
  • Alternative Care – Typically includes treatments such as acupuncture, Chiropractic care and Hydrotherapy among others.
  • Behavioral Modification – Anything that works to change the behavior of the pet and may involve training and medication
  • Benefits – Term used to include the coverage that your plan offers plus anything additional such as boarding fees reimbursement, etc. (not all plans cover this, so check with the individual company’s policies and exclusions)
  • Boarding – Paying for someone else to care for your pet while you are away; this can be in a kennel, in someone else’s licensed boarding home or in your own home.
  • Breeding – mating two dogs to produce puppies or kittens
  • Chronic Conditions – includes such illnesses as allergies, diabetes, cancer, obesity, dry eyes, arthritis, respiratory issues and more that plague your pet. As long as the condition is not pre-existing, in most cases these things will be covered.
  • Claim – the form that is turned in to the company that asks for reimbursement of a veterinary bill.
  • Clinical examination – A complete physical examination that is performed by a licensed veterinarian that covers all the body systems of your pet. Other words to describe this may be physical, veterinary exam.
  • Clinical Symptoms – Any deviation from what is considered normal health in your pet. Symptoms will include anything that is discovered during the examination that isn’t “right” or normal to your pet.
  • Coinsurance – This is the term that describes your part of the bill before any deductible is deducted. The coinsurance amount can be different from company to company.
  • Condition – Any symptoms that are consistent with a diagnosis of any kind of illness of injury; the overall status of your pet in terms of what is going wrong.
  • Congenital Conditions– Problems that develop in utero before the puppy is born
  • Coverage – The insurance protection that is covered in the policy; the procedures, illnesses and injuries that are eligible for reimbursement.
  • Coverage Term – The length of time the policy is in effect
  • Declarations page – A single page within a policy that gives a summary of all that is covered, along with the policy number and other relevant information
  • Deductible – The amount of the bill that you are responsible for paying AFTER your coinsurance is applied.
  • Dental Health Care – Routine care that is required to maintain healthy teeth and gums in your pets’ mouths. This will include brushing, scaling, polishing, extractions, and reconstructions. Routine care is not always covered (will vary by company) but in most cases, damage to the teeth caused by an injury will be covered. Check with your policy to be sure.
  • Diagnostic Tests – Tests used to determine the overall condition and health of your pet. It can also be used to detect specific abnormalities, or to discover the cause of an unknown illness.
  • Elective procedures – Procedures that are not needed to cure an illness or fix an injury such as nail trims, flea baths, anal gland expression, grooming, teeth cleaning, etc.
  • Emergency Hospital– An animal hospital that is typically open overnight in the event something happens to your pet that requires immediate intervention and care rather than waiting for office hours.
  • Enrollment – Signing up for a policy and paying to get it started.
  • Exclusions – Procedures, illnesses and injuries that are not covered under the policy
  • Hereditary Conditions – Any illnesses that are passed down from the parent dog to the puppies.  This is most often seen in purebred dogs but can be present with cats and mixed breeds as well.
  • Hip Dysplasia – Hip dysplasia is one of the most common diseases seen in dogs and is a malformation of the hip joint with the ball and socket. It most commonly affects the large breeds.
  • Hospitalization – Any overnight stay that is required for the treatment of your pet. Sometimes hospitalization may be needed after surgery or when trying to determine what is wrong with a pet.
  • Illness – Any condition that is different from your pet’s normal happy, healthy state
  • Injury – Physical harm that comes to your pet through normal activity or an accident
  • Lifetime Coverage – Your pet will be covered from the time your policy is instated, as long as you’re paying the premium, for the life of the pet.
  • Limitations – Specific things that the policy may have restricted such as age, or how a certain procedure is covered
  • Medically necessary – Services, medicines, or treatments that your pet receives because of the illness or injury they have
  • Medication – Any medicine recommended and prescribed by your licensed veterinarian that has been approved by the FDA
  • Neutering – Removal of the testicles, a sterilization surgery to prevent the animal from being able to father offspring
  • Parasites – An organism that lives in or on another organism, called its host, and does so at the expense of the health of the host. Examples are internal worms and external fleas
  • Policy Effective Date – The date your policy becomes effective to where you can file claims if needed. Most plans have a waiting period of some kind.
  • Policy – The terms and coverage and information that makes up what is covered and what isn’t in your plan.  The policy will have ALL the information about what you have purchased.
  • Pre-existing – Any condition or illness that was present before the policy was purchased.
  • Premium – A term for the monthly payment that you will pay for your policy.
  • Preventative care – Care given to the pet to PREVENT certain illnesses such as vaccinations, worming, etc.
  • Reimbursement – Being paid back for costs that are paid out for services
  • Spaying – Removing the ovaries and uterus of a female dog or cat to eliminate the ability for them to have puppies.
  • Surgery – An operation that is required to fix a problem (injury or illness) that a pet may have.
  • Vaccination – Shots that are given to a dog or cat that can prevent certain deadly illnesses from being contracted. Only given by a licensed veterinarian.
  • Veterinarian – A licensed and registered doctor for pets.
  • Veterinary treatment – Includes such things as X-rays, lab tests and diagnostic tests, medication, surgeries, supplies that are used on the pet, hospitalization, nursing care and euthanasia. Any treatment done to the pet by your licensed veterinary office is considered veterinary treatment.
  • Veterinary exam– The office visit when your pet is seen by the doctor to determine health
  • Veterinary exam fees – The cost of the office visit
  • Waiting period – A designated term that illness or injury is not covered after the policy is started. This can vary from provider to provider.
  • Whelping – A term used in breeding that means the dog is giving birth to the puppies.
  • Working animals – Animals that work for people in fields such as law enforcement, guarding, racing and more.

Coverage Options for Pet Insurance Companies

pet-insurance-coverage-optionsDepending on the pet insurance company, there are potentially many different types of coverage available. Some have only one plan that simplifies everything. Other’s have choices based on yearly deductibles or amounts and so on. Each company will have their own differences in coverage and also similarities but in general all of them will have some kind of all over pet coverage plan that will protect their pet from illness and injury affecting them for life.

Sincere there can be so many differences in coverage options, the inky way that you will be able to find out about all of the choices you have is to do some comparison shopping and research with several different companies.  It’s not hard to do this at all and since most pet insurance companies offer you quotes right on the page without having to talk to anyone, it will be relatively simple to do some great company comparisons.  You can also look for comparison charts that compare the companies to each other in the basic facets of a good policy/company.

Just because a company offers different choices doesn’t mean that it’s the company to choose. Look at all of the benefits the company offers as well as the exclusions to see which one fits your needs and budget the best. There are several factors that make up a great coverage plan and company.

Comparing Multiple Pet Insurance Providers

comparing-pet-insuranceWith a little bit of research on your part, you can find the perfect pet insurance company and plan for your pet family. There are several things that should be compared when you’re measuring one company against another. Don’t ONLY look at premium amounts because a cheaper premium may cost less, however the benefits you lose may be significant. You may find it’s worth it to pay a little more and have more extensive coverage. Following the steps below that have been outlined for you will help you find a company that you will be happy with and that meets your needs.

You’ll need to get online to do these comparisons and since most have very detailed explanations of their plans and exclusions, you may not need to get on the phone with anyone, although you can if it gives you more detailed answers. Put together a list of the companies that you want to compare. You don’t have to get a lot of them together, three to five is sufficient to make a decision from.  Once you have the list, grab a pen and notebook to make some notes as you go over each website and go from there.

Questions to Ask Prospective Pet Insurance Companies

pet-insurance-questionsThere are some specific questions you want to ask yourself about each company.  Have your notebook right there and right down the answers to these questions about each company you look at.  You can choose to compare as many different companies as it takes for you to find one that you really like and that fits what you’re looking for. A good company will make you feel like you’re getting a great deal for great coverage. If you’re hesitant or not sure about a company, try to do more research or move on to another one. The right company will not give you hesitation.

You will need to know your dog’s breed, age, pre-existing conditions and also know what you are looking to have covered before you get started.  The quotes will require this information to give you the accurate premium cost.  Also know ahead of time how much deductible you want to pay and the amount of reimbursement you want.  This will also determine your monthly premium.  Most policies are paid for on a monthly basis and are done by the year in terms of coverage amounts and deductibles.

  1. How long has the company been in business? – This is a good thing to know because it shows stability when a company has been around for awhile. If the company is relatively new, it doesn’t mean it’s not a good choice, you will just need to look at other factors as well and see if you can find additional information about it to ensure it’s a reliable company.
  2. What types of coverage does the company offer for your pet?Coverage will vary from company to company so be sure to check what each one offers and includes in their regular coverage as well as extras you can add on if you choose to.
  3. What are the limitations on the coverage plans? – Finding out the limitations on the coverage is important so you don’t think something is covered when it isn’t. Sometimes there may be limitations on the pet’s age, types of surgeries and other circumstances. Get all the information you can find on each company’s limitations and you will not have any unpleasant surprises.
  4. What exclusions does the coverage include? – Exclusions are procedures that are not covered. Each company will have a detailed list of exclusions that are not covered. These will usually include most elective procedures and all pre-existing conditions. Some companies have elective procedure add ons that you can purchase for an additional amount each month.
  5. How long are the coverage terms? – Most pet insurance companies charge monthly premiums and your coverage can last as long as you pay the premiums. These are called lifetime benefits and what it means is as long as you pay each month, your pets are covered for their entire lives.
  6. How long does it normally take to get claims authorized for reimbursement?- It’s a good idea to know the process of getting claims approved so you can get your money back for any covered procedures and treatment your pet receives. Normally, most companies will try to process the claims in an expeditious manner, and as long as you have done your part when it comes to submitting the claim, everything should go smoothly and at a good speed so your money is back in your wallet soon.
  7. What kind of payment terms does the company have for their plans? – Since most pet insurance companies are figured on a monthly basis, you will have monthly payments that cover the cost of your premium. That will be affected by factors such as how many pets you’re covering, their ages and breeds, the deductible you choose and the amount of reimbursement you want. They don’t offer lower monthly payment plans, so you will be paying whatever your premium costs with anything you’ve added included as well.
  8. What deductibles are required? – Most of the plans have deductibles that you will be responsible for. You can choose from $100, $250 and $500 deductible amounts in most companies, but if there are other choices, they will list them. Deductibles are the amounts you are responsible for paying before your coinsurance comes out. (Coinsurance is your percentage of the invoice based on the amount you want to be reimbursed for.)
  9. Can you take your pets to any veterinarian you want? – As long as the veterinarian you choose is licensed and registered, your visits qualify as long as what you are going for falls under the coverage plan. You can also take them to any specialist or emergency animal hospital as well, just be certain they are licensed.
  10. Does the company offer any extras or add-ons that you can include in your coverage? – Some pet insurance companies have additional benefits that you can elect to include in your plan. These may be things like boarding fees, elective procedures, and breeding benefits. The additional add-ons and choices will be listed online or you can speak to a representative to ask them.
  11. Are the policies transferable to another pet? – Because of the nature of pet insurance, the policies are not transferable at all. Premiums and coverage is based on the individual pet, so there is no way to transfer the same coverage to a different pet. They may have different pre-existing conditions and other factors that will give them a different premium.
  12. Are they members of the BBB? The BBB usually has information about most companies, especially those registered with them and can give you their “grade” as well as why they were given the grade they were.  You will also find out whether there are any complaints that have been filed with the company and if they have been resolved.  Don’t forget to check and see if they have any other consumer or business ratings as well.  Awards don’t make the entire company, but they definitely show that they are being recognized for their service.

While this is not an all inclusive list of questions, it covers a lot of the major areas that will help you compare the companies to each other based on the same factors.  This will enable you to make a decision with all the facts, rather than having to use guesswork.  The most important piece of information to find out is what is covered. This is what your reimbursements will come from, so knowing what each company covers will give you a better idea of the plan and company that will fit your needs the best.  This information needs to be known before you purchase the coverage.

Costs and Payment Plans of Your Pet Insurance Policy

Because there are so many factors involved with each pet, there is no way to determine ahead of time exactly what your monthly premium will be. That is why you need to input the animal’s information in the “get a quote” section. This is where you will add your pet’s information including:

  • Breed
  • Age
  • Size
  • Pre-existing conditions

You will also input the deductible you want to pay and the amount of reimbursement you want from the choices offered to you. Once this is done, your monthly premium will be displayed. If there are any add-ons available, you can add them at this time to come up with a final monthly premium amount that will give your pet the coverage you have chosen.

Different companies will have different choices and rates, so this is one of the things you can compare when doing your research. Some companies have a limit on claims, such as a dollar amount per year that can be spent, others have unlimited claims. Make sure you jot down all the information you can about each company so you can easily compare them and narrow down the choices.

If you find a company that has a lower rate, there is nothing wrong with finding out from other companies if they can match it. Some companies may offer price match guarantees, so it doesn’t hurt to ask. You never know what could save you a few extra dollars on your monthly premium.  Some companies may even offer discounts on some of the add-ons that they offer.

How the Claim Reimbursement Process Works

Most companies make the claims filing process very simple so you can get reimbursed in a timely manner.  Each one should have a form available to fill out when you want to submit an invoice to be reimbursed.  Once the information is filled out (which will include such information as date the animal was seen, what were they seen for, what veterinarian you went to as well as some other things.  You may be required to submit the medical records or at the very least the record for the visit that includes the diagnosis, the treatment given and any doctor’s notes that are written down.

Once this is turned in, as long as the company has the medical records and form they need, nothing else stands in the way of getting the claim processed.  Turnaround time on getting your reimbursement check may vary, but they don’t want to have unpaid claims laying around, so as long as you have done your part correctly, paid the required deductible and coinsurance payment, they should get your check to you within a few weeks.

Pet Insurance Provides Peace of Mind

When it comes to taking care of your pets, pet insurance companies offer the pet owner a way to do that and save themselves money at the same time. There are some great companies out there and the common thread among all of them is that they have a love and compassion for helping animals live their best and healthiest lives.

The peace of mind having a pet insurance policy in place gives the pet owner is hard to beat.  Now more than ever, people treat their pets like members of the family. What better way to show that than to provide the best health care possible for them whenever they may need it?

With all of the information you are armed with now, you will be able to choose the perfect pet insurance company to help take care of all of your pet’s health needs in the event of an emergency, illness, or injury.

Resources

  1. Healthy Paws – http://www.healthypawspetinsurance.com/
  2. Pet Plan Pet Insurance – http://www.gopetplan.com/home3.aspx
  3. Embrace Pet Insurance – https://www.embracepetinsurance.com/
  4. TruPanion Pet Medical Insurance – http://trupanion.com/
  5. PetFirst – https://www.petfirst.com/
  6. Pets Best Insurance – http://www.petsbest.com/
  7. VPI Pet Insurance – http://www.petinsurance.com/
  8. PetPartners – https://www.petpartners.com/
  9. ASPCA Pet Health Insurance – http://www.aspcapetinsurance.com/
  10. Pet Premium Pet Health Insurance – https://www.petpremium.com/