Pet insurance comparison 2021

Pet Insurance Comparison for 2021

At Best Pet Insurance, we constantly review pet insurance companies that offer different plans and packages for pet insurance. If you’re interested to learn more in-depth information about these pet insurances, read about them below.

How to Choose Pet Insurance?

To choose the best pet insurance policy for your pet, you need to compare pet insurance providers. Make sure you research what’s covered with the pet insurance plans and what might affect coverage. For instance, your pet might have a pre-existing condition or it might be a specific breed which affects coverage.

Review the cost and value of the pet insurance plan. Just because a plan is cheap doesn’t mean you should buy it. You should get a pet insurance policy that covers the needs of your pet. Are you interested in complete, medical, or wellness care? Decide these things before opting out for a certain pet insurance plan.

What You Need to Consider When Joining Pet Insurance?

There are some things you should understand before enrolling in a pet insurance plan.

As we already mentioned, there are some companies that offer comprehensive plans which cover both illness and accidents, and there are some that offer accident-only plans.

Pet insurance plans have a waiting period for coverage to begin after you sign up, so keep in mind that the waiting period for accidents is usually a day or two, while the waiting period for illnesses is typically 14 days.

Pet insurances reimburse you a percentage of the cost of the treatment, and the reimbursement level is chosen when you enroll in the plan. The reimbursement levels are usually 70%, 80%, and 90%. 

Pet Insurance Comparison Chart

We’ve tried to make it easier for you to compare the pet insurances and pick the one that best suits your needs. Below, you can see a comparison chart for the pet insurances we’ve reviewed, as well as different features they offer.

A side-by-side comparison will surely help you in seeing the difference in reimbursements, co-pays, deductibles, premiums, plans, and other features.

Overall Chart

Brand

Pet Plan

Eusoh

Pawp

PetPremium

Embrace

PetAssure

Pumpkin

Spot

Pet First

Healthy Paws

Costs

3

4

4.5

3.5

4.5

4

4.5

4

3.5

4.5

Coverage

5

4.5

3

3

4

5

4.5

5

3.5

5

Waiting Periods

3

3

4.5

4

4.5

5

4

3

4.5

4.5

Final Score

3.6

3.8

4

3.5

4.3

4.6

4.3

4

3.8

4.6

 

Plans and Costs

 

Pet Plan

Eusoh

Pawp

PetPremium

Embrace

PetAssure

Pumpkin

Spot

Pet First

Healthy Paws

Average dog costs

$34-$54

$17

$19

$13

$30-$40

$11.95

$18.95

$29

$24- $115

$30

Average cat costs

$20-$38

$17

$19

$10

$15-$20

$9.95

$11.95

$11

$24- $115

$30

Deductible

$250 to $1,000

$250

No deductibles

$100, $250 or $500

$200, $300, $500, $750, and $1,000

 

No deductibles

$250

$100, $250, $500, $750 and $1,000

$50, $100, $250, and $500

$100, $250, and $500

Reimbursement

70% to 90%

$8,5000

$3,000

70%, 80%, and 90%

70%, 80% or 90%.

 

Discount of 25% to the bill

90%

 

 

70%, 80%, and 90%

70%, 80%, and 90%

70%, 80%, and 90%

Claim Limit Options

$5,000 and $15,000

$8,5000

$3,000

$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 to unlimited

$5,000, $8,000, $10,000, $15,000, and $30,000

No limit

$7,000 - $20,000

$5,000, $10,000, $15,000, $20,000, and unlimited

$2,000, $5,000 or $10,000

$2,500 to unlimited

Limit Term

$15,000

$8,5000

$3,000

Unliimted

$30,000

No limit

$20,000

Unlimited

$10,000

Unlimited

 

Waiting Periods Comparison Table

 

Pet Plan

Eusoh

Pawp

PetPremium

Embrace

PetAssure

Pumpkin

Spot

Pet First

Accidents

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Illnesses

Covered

Covered

Not covered

Covered

Cpvered

Covered

Covered

Covered

Covered

Cancer treatments

 

Covered

Covered

Not covered

Covered

Covered

Covered

Covered

Covered

Covered

Emergency care

Covered

Not covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Surgeries

 

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Hospitalizations

Covered

Covered

Not covered

Covered

Covered

Covered

Covered

Covered

Covered

 

Coverage Chart (V/X)

Coverege Chart

 

Pet Plan

Eusoh

Pawp

PetPremium

Embrace

PetAssure

Pumpkin

Spot

Pet First

Accidents

V

V

V

V

V

V

V

V

V

Illnesses

V

V

X

V

V

V

V

V

V

Cancer treatments

 

V

V

X

V

V

V

X

V

V

Hereditary conditions

X

V

X

X

X

V

V

V

V

Emergency care

V

X

V

V

V

V

V

V

V

Surgeries

 

V

V

V

V

V

V

V

V

V

Prescription meds

X

V

X

V

V

V

V

V

V

Exam fees

 

V

V

V

X

V

X

V

V

V

Acupuncture

V

V

X

V

X

V

V

V

X

Chiropractic care

V

V

X

V

X

V

V

V

V

Alternative & homeopathic therapies

V

V

X

V

X

V

V

V

V

Online vet visits

V

V

X

X

X

X

X

X

V

Hospitalizations

V

V

X

V

V

V

V

V

V

Medications

X

V

X

V

V

V

V

V

V

X-Rays

V

X

X

V

V

V

V

V

V