Pet Insurance Reviews

Best Pet Insurance

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1st Place – HealthyPaws Pet Insurance

HealthyPaws Pet Insurance was founded in 2009 and maintains an A- rating with the BBB. They are also an accredited company with them. They provide coverage for everything that matters including all illnesses, accidents, and emergency care – all with one, simple and comprehensive plan.

Runner Up – Embrace Pet Insurance

Embrace Pet Insurance has excellent coverage plans and even includes coverage for breed-specific issues along with coverage for all dogs. They also cover both indoor and outdoor cats. They maintain an A+ rating with the BBB and are accredited with them.

Pet Insurance Buyer’s Guide

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

There are a few things you need to know about pet insurance policies to make sure 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 on into adulthood. If your pet is already elderly, some companies won’t be able to offer a policy but be sure to check with each individual company first.

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 your 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 only cover specific issues and have exclusions such as pre-existing conditions. Therefore, it is extremely important that pet owners know exactly what is covered and what is not to avoid any problems with reimbursement if their pet encounters an emergency.

One of the most important parts of purchasing pet insurance, and being sure it really saves you money, is to understand exactly what the plan covers and what it doesn’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 thoroughly check into each plan and find out what they offer.

The process of purchasing a pet insurance policy is pretty simple but there will be some variations from company to company. Not all companies offer the same benefits or extras, so doing some homework ahead of time and researching a few can help you see which fits your needs the best. Overall, 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 checks your pet and fixes whatever might be wrong by administering medication, surgeries, etc. They will give the pet owner an invoice that outlines the procedure and the diagnosis. You will be responsible for paying the bill upfront. Next, you will turn in the invoice along with a claim form and you will be reimbursed by the pet insurance company according to the percentage amount you chose with your plan.

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 reimbursement percentage you can afford and also choose a deductible. Once your deductible is satisfied, the company will reimburse you the amount of your chosen percentage. For example, a lower deductible with a higher percent reimbursement will be the most expensive policy you can choose.

The most common mistakes made by a policy holder that prevents reimbursement include: not submitting the claim within 90 days of the date of treatment (or whatever time period the company requires, this could vary from company to company), and not submitting the required medical records the company needs to process the claim. Incomplete claim forms are also detrimental and can cause a claim to be denied.

Another possible reason that a claim would not be paid is if the treatment was not covered under the policy. However, you will know this ahead of time by studying your policy and making sure you know what procedures are covered.

Pet Insurance Comparison

COSTS
healthypawsHealthy Paws Pet Insuranceembrace-logoEmbrace Pet InsurancepetsbestPets Best Insurancetrupanion-logoTruPanion Pet Medical InsurancepetfirstPetFirstvpilogonewVPI Pet Insurancepetpartners_logoPetPartnersaspcaASPCA Pet Health InsurancepetpremiumPet Premium Pet Health InsurancepetplanPet Plan Pet Insurance
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Reimbursement Amount70-90%65-90%70-100%90%70-90%Determined by benefit schedule80%90%70-90%70-90%
Deductible TypeAnnualAnnualAnnualPer ConditionPer IncidentPer IncidentAnnualAnnualAnnualPer 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 Insuranceembrace-logoEmbrace Pet InsurancepetsbestPets Best Insurancetrupanion-logoTruPanion Pet Medical InsurancepetfirstPetFirstvpilogonewVPI Pet Insurancepetpartners_logoPetPartnersaspcaASPCA Pet Health InsurancepetpremiumPet Premium Pet Health InsurancepetplanPet Plan Pet Insurance
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Age Limits to EnrollOver 8 weeks and less than 14 Years oldOver 6 weeks/Over 14 can get accident insurance onlyOver 7 weeksOver 8 weeksOver 8 weeksOver 6 weeks and less than 10 years oldOver 8 weeks (dogs) and 10 weeks (cats) and Under 9 years for illness coverage. Accident coverage for over 9 availableOver 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 Period15 days after policy starts/12 months for hip dysplasia14 days after starting the policy3 days after starting the policy for accidents/14 days after for illnesses30 days after starting the policy1 day after starting the policy for accidents/14 days after for illnesses14 days after starting policy/12 month wait for cruciate ligament injuries and any hereditary conditions1 day after for accidents and preventative care (if applicable) 30 days after for illnesses30 days after starting the policy1 day after starting policy for accidents and wellness care/30 days after for illnesses24 hours after starting the policy for accidents/14 days for illnesses
ExclusionsPre-Existing ConditionsPre-Existing Conditions/ Hereditary and Congenital conditions if it is suspected that they started before coverage was in placePre-Existing ConditionsPre-Existing ConditionsPre-Existing Conditions and Some Hereditary and Congenital conditionsPre-Existing Conditions and Congenital ConditionsPre-Existing Conditions/ Congenital ConditionsPre-Existing Conditions/ Hereditary and Congenital not covered on all plansPre-Existing Conditions/ Congenital and Hereditary ConditionsPre-Existing Conditions
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healthypawsHealthy Paws Pet Insuranceembrace-logoEmbrace Pet InsurancepetsbestPets Best Insurancetrupanion-logoTruPanion Pet Medical InsurancepetfirstPetFirstvpilogonewVPI Pet Insurancepetpartners_logoPetPartnersaspcaASPCA Pet Health InsurancepetpremiumPet Premium Pet Health InsurancepetplanPet Plan Pet Insurance
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