Updated on

10 Best Pet Insurance Providers

Your vet bills won't surprise you anymore. Make sure your furry friend gets the right medical care by choosing the best pet insurance.

Top Brands
Top Brands
Personalized Plans
Free Quotes

10 Reasons All Animal Owners Should Get Pet Insurance


 

Pets are not mere animals, when you take them into your home, they become family members. Pet insurance is a must-have if you care for your pet as if it were a member of your family. Pet insurance works just like health insurance for people. It allows you to get reimbursed for eligible medical expenses when you visit the veterinary. Learn more about this type of insurance and why pet owners should get one.

1. Insurance Covers Your Pet in Case of Accidents and Illnesses
If you take out pet insurance, you are covered in case of accidents and illness. The insurer will reimburse you for the eligible costs you pay at the veterinary if your cat or dog falls ill or is injured. Pet insurance is useful at any age because unfortunate events such as car accidents can affect any pets, especially those that also spend time outdoors. If your pet gets hit by a car or suffers injuries due to other types of accidents, the consequences can be severe and they might require surgery and long-term treatment. CT scans and X-rays alone can cost hundreds of dollars, while surgery can easily reach thousands of dollars.

Treatment for chronic diseases such as heart or thyroid conditions can also prove expensive. These require continuous medication that can cost hundreds of dollars per year. Pet insurance can help you reduce the amount you need to pay based on your coverage limit.

2. It Helps Extend Your Pet's Lifespan
Regular veterinary visits are recommended for dogs, cats, and other common pets. The minimum frequency is a visit per year. During these regular checkups, the vet will examine your pet and let you know whether they need any special diet or treatment.

These checkups are essential to catch early signs of disease and start applying preventive care treatment. On these occasions, the vet can also administer the necessary annual vaccinations and deworming treatment. Essentially, these vet visits can extend your pet’s life and ensure they stay healthy and happy for as long as possible.

Pet insurance can help you cover some of the costs associated with routine health care, especially if you choose a wellness plan. This type of insurance covers grooming, annual checkups, and several other costs. Some of the services included in pet wellness plans are:

- Deworming treatment
- Heartworm tests
- Vaccines
- Annual vet visits
- Spaying and neutering
- Blood work
- Fecal exams
- Behavioral therapy
- Grooming
- Acupuncture
- Massage therapy
- Dental care
- Microchipping

Pet wellness plans can be added to a basic insurance plan. One aspect to keep in mind is the reimbursement limits. Some plans have per-item limitations meaning that they cover specific expenses up to a certain limit. For example, you might get a cap on dental cleaning services or vaccination. Compare different plans and choose the one you think will benefit your pet and your finances the most.

3. Pet Insurance Helps You Be Prepared for the Unexpected
You never know when your beloved pet falls ill, even if you’re diligent about their care and always on the lookout for symptoms. Moreover, you cannot prevent or predict accidents that might cause your pet injuries that require immediate medical attention. The cost of treatment and rehabilitation can be overwhelming. Just like getting health insurance for yourself and your family, pet insurance helps you be prepared for unexpected medical bills that can take a great share of your savings if you don't have any coverage.

4. Pet Health Care Costs Are Rising
Prices are constantly increasing in all industries and pet health care is no exception. The average American pet owner spends around $500 on their pet per year. This is another reason to get pet insurance sooner rather than later so you avoid spending more money further down the line if your pet gets sick or suffers an accident.

Only routine vet visits cost more than $240 per year for dogs and almost $180 for cats according to the 2021-2022 American Pet Products Association National Pet Owners Survey. If you want to add other services as part of your pet's routine care, you can pay thousands of dollars per year. For example, dental cleaning for dogs costs between $500-$1000. Dog grooming costs up to $75 depending on the dog's size. All these costs easily add up at the end of the year and pet insurance can ease this financial burden.

5. Pet Insurance Is Flexible
Another advantage of pet insurance is that you can customize your plan depending on your pet's age, health, and of course, your finances. If you have a dog with long hair, for example, you might want to get a wellness plan that can cover the grooming costs. These pet insurance plans also include other routine care expenses and can even cover diet foods or supplements. So, if your cat has kidney problems or a skin allergy and needs a special type of food, you can get a wellness plan that covers this expense.

You can add different riders to a basic insurance policy to get coverage for different veterinary costs. Moreover, you can customize your coverage limit and take out insurance for several pets, which can also give you some discounts.

6. Pet Insurance Is Easy to Use
Pet insurance is not hard to use. After comparing different plans and choosing the one you find most suitable for your pet, you have to pay for the insurance coverage monthly. The insurance company will calculate the value of your monthly premiums based on your pet's age, breed, and your zip code. When you go to the vet, you'll pay for their services regularly and then submit a claim to the insurance company with the proof of payment and wait for the reimbursement.

7. You Can Choose Any Veterinary
Pet insurance is also flexible in terms of vet choices. No matter what plan you opt for, you are not forced to choose a certain veterinarian. You can go to any vet’s office, pay for their service, and then submit your reimbursement claim to the insurance company.

Being able to choose any vet allows you to offer your pet the best care. You can take your dog for grooming to a certain vet and for regular checkups, deworming and vaccination to another one, it’s entirely up to you.

Some insurers have a network of veterinarians. If you choose one of their vets, you can walk out of their office without paying a dime as the company will pay the vet directly for the eligible services up to your coverage amount.

8. You Don’t Have to Tap Into Your Savings Account
If your pet suffers injuries in an accident or develops a severe condition, you might have to pay thousands of dollars to get them diagnosed and treated. Without an insurance plan, you have to pay these costly expenses all by yourself. This might mean tapping into your savings account, which is something you might not want to do if you are saving money for a house down payment, college, or another goal. Pet insurance eliminates the unpleasant situation when you have to choose between your pet and your wallet.

9. Insurance Is Important for Older Pets
Pets have a different life expectancy depending on their overall health, genetic factors, and their breed. However, the older they get, the more likely they are to start developing different conditions.

For example, dogs, especially large breeds, are more at risk of ligament problems as they get older.
Cats are not devoid of age-related health problems either. Many of these pets start having kidney issues and urinary tract infections as they age and the kidneys stop functioning properly. Heart diseases, diabetes, and cancer are just some of the serious conditions both dogs and cats can get diagnosed with as they get older.

Treating these conditions or at least keeping them under control can require thousands of dollars in medical bills. Pet insurance helps you be prepared for any pet health problems and related medical care costs.

10. You Gain Peace of Mind
Having a cat or a dog is great, but it comes at a cost. When pets become family members, you have the responsibility to take care of them. This implies a lot of different aspects from training them to giving them healthy food and taking them to the vet for routine checkups. Pet insurance can help you with all these expenses by providing you coverage for a wide range of services from behavioral therapy to diet food and supplements and other vet expenses.

Besides helping you minimize the toll pet health care can take on your finances, an insurance plan also provides peace of mind. Knowing your pet is insured in case of any medical emergency can be a comforting thought, especially if it’s old or its breed makes it more prone to developing certain conditions.

Conclusion

Pet insurance has got your furry friend covered in case of illness or accidents. Moreover, there are also wellness pet insurance plans that cover a wide range of vet expenses including behavioral therapy, grooming, vaccinations, blood work, and plenty more. Pet insurance is flexible and can offer you peace of mind. With the best pet insurance, your pet is well taken care of in case of emergency while your finances remain intact.

Protect Your Furry Friends with Preventive and Routine Care

As a pet owner, you love your furry friend like family. You want to provide them with the best care possible, including preventive and routine care. However, unexpected health issues can arise, and the cost of medical care can quickly add up. That's where pet insurance comes in. Purchasing pet insurance can help you prepare for the unexpected and provide your pet with the necessary preventive and routine care.

Benefits of Preventive and Routine Care in Pet Insurance

Preventive Care is the proactive approach to keeping your pet healthy. It includes regular check-ups, vaccinations, and preventative treatments such as flea and tick prevention. Routine Care, on the other hand, covers basic treatments such as dental cleanings, grooming, and behavioral therapy. By having pet insurance, you can ensure that your pet receives the preventive and routine care they need to stay healthy and happy.

Lower Veterinary Bills

Pet insurance helps you manage the cost of veterinary care. With insurance, you won't have to worry about unexpected vet bills that can cause financial stress. Most pet insurance policies cover a portion of the cost of preventive and routine care, and some even cover alternative therapies such as acupuncture and chiropractic care. By having pet insurance, you can focus on your pet's health and well-being, without worrying about the cost of care.

Peace of Mind

Knowing that your pet is covered by pet insurance gives you peace of mind. In case of an emergency, you won't have to worry about the financial burden of unexpected vet bills. You can focus on providing the best care possible for your pet, without worrying about the cost.

In conclusion, Preventive and Routine Care in pet insurance provides numerous benefits for both you and your furry friend. It ensures that your pet receives the necessary care to stay healthy and happy, while also giving you peace of mind. Don't wait until an emergency arises, invest in pet insurance today and provide your pet with the best possible care.

Pet Insurance: Balancing Affordability and Comprehensive Coverage 

Pet ownership comes with many responsibilities, including ensuring that our furry friends receive the best veterinary care possible. However, veterinary expenses can quickly escalate, making it difficult for pet owners to afford the care their pets need. This is where pet insurance comes in as a valuable investment, providing peace of mind and protection against the financial burden of veterinary care.

The cost of pet insurance is determined by various factors, including the age, breed, and location of your pet, as well as the type and scope of coverage desired. While the average cost of pet insurance may seem steep, is a worthwhile investment that protects your pet’s health and financial stability. In the event of an emergency, such as surgery, the cost of veterinary care can reach thousands of dollars. Without pet insurance, pet owners are left with the difficult choice of either compromising their pet's health or struggling to afford the necessary care.

While the cheapest pet insurance may seem like a good deal, it is important to consider the coverage offered and any restrictions or exclusions. Comprehensive pet insurance coverage is crucial for ensuring that your pet receives the best care possible, but it can also be affordable. Our sponsored comparison site is here to assist you in finding the perfect pet insurance coverage at an advantageous price.

In conclusion, pet insurance is a necessary investment for pet owners. Don't be caught off guard by unexpected veterinary expenses, secure comprehensive and affordable pet insurance coverage for your pet today. The pet insurance cost may seem small, but the peace of mind and the financial security it provides are worth far more.

Pet Insurance Wellness Plans

 

If you are already using pet insurance to get coverage for your furry friend in case of accidents or illness, why not add a wellness plan to your standard insurance policy? Wellness insurance is designed as an add-on to standard insurance and it helps you cover routine care expenses such as annual checkups, vaccination, and deworming. 

The best pet insurance companies offer a wide range of eligible expenses as part of their wellness plans. These plans can be accessed at any time after you sign up and start paying monthly premiums and they typically don’t require deductibles. 

You can find numerous wellness pet insurance options, especially among the best pet insurance companies that sometimes offer more than one wellness plan. These pet insurance policies are affordable. The monthly premiums can cost less than $20 per month. Learn more about wellness pet insurance, how it works and what benefits they can offer for pets and pet owners. 
 

What Are Routine Care or Wellness Plans? 

Routine care is the essence of wellness plans you can add to basic pet insurance. These plans are designed to offer preventive medicine coverage. There are several routine care services you can find in the best pet insurance wellness packages, such as vaccinations, deworming, and parasite protection. 

Wellness Pet Insurance Coverage 
The best pet insurance plans that include wellness add-ons cover a large range of vet services and products. Some of the most common are

  • Vaccinations
  • Deworming
  • Spaying and neutering
  • Fecal exams
  • Heartworm tests
  • Urinalysis
  • X-rays
  • Electrocardiograms
  • Routine checkups
  • Blood work
  • Dental cleaning 
  • Grooming
  • Nail clipping 

Some insurers also cover different types of therapies and dog training, for example. Additional services not included in the coverage might still qualify for discounts if you add a wellness plan to your standard pet insurance policy. 

 

Wellness Pet Insurance Advantages

There are different benefits to taking out wellness pet insurance for your dog or cat. The best pet insurance of this type will provide you with extensive coverage so that all your pet's regular preventive care necessities are tackled. 

Wellness plans include a variety of vet services that are not eligible for reimbursement with a standard insurance plan, such as deworming and vaccines, which are important, especially during a pet’s first year of life. Moreover, since you are most likely going to add wellness to your standard insurance, you will benefit from all the services required to maintain your pet's health. 

While standard insurance has you covered in case of accidents and illness, wellness insurance ensures that your pet gets access to routine care, which helps prevent and catch early signs of disease. Together, these insurance options offer you peace of mind and safeguard your financial stability. 

Medical expenses for treating pets’ illnesses can be overwhelming. You can easily end up having to pay hundreds and even thousands of dollars in treatments and surgery. While wellness insurance is not intended to cover these costs, it works by helping you prevent diseases instead of having to treat them. Medication for a severe illness such as cancer can cost dozens of times more than an insurance policy.

Going through illness and medical treatments can be extremely stressful for pets and pet parents alike. Taking your pet to regular vet visits, providing them the vaccines and antiparasitics they need, and the routine tests that help spot diseases in time enable your pet to live a long and healthy life

Besides health concerns, there are additional reasons to subscribe to a wellness plan, such as good looks. This type of pet insurance add-on covers grooming costs, so you will be able to keep your furry companion in tip-top shape easier.

Moreover, some pet insurance companies offer special wellness plans as employee benefits. Your employer must be enrolled in the insurer’s program so you can qualify for the plan and enjoy its discounts and additional perks. 

To incentivize customers, many insurers also offer discounts if you enroll more than one pet. With each additional pet you get insurance for, there will be an additional discount.

 

How Does Wellness Insurance Work?

Wellness plans are usually an addition to standard accident and illness pet insurance. To purchase a wellness plan, you would typically have to sign up for a basic plan first. There are, however, some insurers that offer wellness options as separate packages. 

Wellness plans work just like standard pet insurance. You go to the vet, pay the required fee, keep the proof of payment, and then send a reimbursement claim online to the insurance company. After checking your claim, the insurer will send you the reimbursement amount. The reimbursement typically represents a percentage of the amount you spend at the vet and there are also annual caps you must be aware of. Higher caps typically mean higher monthly premiums. The waiting times to get reimbursed differ depending on your insurer, you could get reimbursed within less than a week. 

Most pet insurance plans with wellness add-ons are flexible in terms of vet choices, so you can go to any certified veterinarian and then get reimbursed for your expenses. However, some insurers might limit your choices to specific vet offices or hospitals. There are also pet insurance companies that accept any veterinarian but also have an exclusive network of specialists. The advantage of choosing their vets is that they reimburse the specialist directly, so you wouldn’t have to submit a reimbursement claim anymore. 

Despite working slightly differently, both standard and wellness insurance aim to ease the toll vet expenses can take on your finances. To choose the right pet insurance, it's important to understand the main benefits of both types of insurance, as well as their differences. 

Standard Pet Insurance vs. Pet Wellness Plans

Both wellness plans and regular accident and illness insurance aim to help you keep furry family members healthy and lower the amount of money you have to spend on vet bills for this purpose. While wellness insurance has a preventative purpose and covers specific veterinary services and products, such as annual checkups and antiparasitics, standard insurance enables you to always be prepared for the unexpected by covering expenses related to injury and illnesses. These plans complement each other to offer pet owners complete health coverage for their beloved animals in any circumstances. 

Another similarity is the maximum annual coverage amount. Standard insurance typically covers your expenses up to several thousand dollars while wellness plans are usually capped at a few hundred dollars, typically ranging from $400 to $600. There are also per-item limits that represent the maximum amount of reimbursement you can claim for a specific service or product. These caps range depending on the service type. Some services are capped at $20 while others go beyond $100. 

Each insurer has different coverage rules both for standard and wellness plans. Your total benefit, as well as the annual limits, will be clearly outlined in your contract. 

The great advantage of both insurance types is that you can customize them to fit your pet's needs and your pocket size. The best pet insurance companies provide flexible plans allowing you to choose the maximum coverage amount, and in some cases, the services you want to get reimbursed for. 

Before you purchase an insurance policy, make sure you fully understand what it covers and what expenses are not eligible for reimbursement. For example, pet food and supplements are often excluded. If you are not sure what wellness plan is more suitable for your pet, you should spend some time doing research online and comparing different options or talk to a vet and ask them to offer you some recommendations. 

 

Average Wellness Pet Insurance Prices 

Pet insurance companies have different pricing policies. Many charges a flat rate for their wellness plans. Others choose to tailor these plans to the pet’s age, breed, and location, just as they normally do for standard insurance. 

Wellness plans don’t come in standard shape and coverage, so it’s only normal to expect them to have different prices depending on the insurer you chose. Some wellness plans cost only about $20 per month or less. You can even find wellness plans that cost as little as $10. Others cost about $50 or more because they offer a larger number of eligible expenses or a higher reimbursement limit. Some even provide unlimited vet visits. 

The price is worth paying considering some key findings such as the fact that the average annual routine care cost is $242 for dogs and $178 for cats. The same survey revealed that surgical vet visits cost pet owners an average of $458 per year, in the case of dog owners, and $201 for those who own cats. The average annual grooming cost for dogs is $43 while cat owners pay an average of $31 for the same service. Vitamins also cost pet owners more than $80 for dogs and $40 for cats. Pet insurance with wellness add-ons can cover these expenses and unlock different discounts for those vet costs that are not considered eligible for reimbursement.

Understanding the Benefits of Pet Insurance Emergency Coverage

As a pet owner, you understand the joys of having a furry companion. From the wagging tails to the warm snuggles, our pets bring so much happiness into our lives. However, when emergencies arise, the last thing you want to think about is how you're going to pay for unexpected vet bills. That's where pet insurance emergency covers come in. With pet insurance emergency surgery coverage, you can be prepared for any unexpected medical expenses that may arise, ensuring your pet gets the best care possible.

Pet insurance emergency visit coverage provides peace of mind in the event of a pet health crisis. When a pet falls ill or is injured, you want to take them to the vet as soon as possible, but the cost of an emergency visit can be astronomical. With pet insurance emergency coverage, you'll be able to cover the costs of an emergency visit without having to worry about dipping into your savings or maxing out your credit card.

When choosing the best pet insurance, it's important to find a policy that meets your specific needs. Look for a policy that covers a wide range of conditions, including pet insurance emergency surgery and pet insurance emergency visit. This way, you'll be prepared for anything that may come your way.

In conclusion, pet insurance is a must-have for pet owners. Not only does it provide peace of mind in the event of an emergency, but it also ensures that your pet will receive the best possible care. So why wait? Invest in the best pet insurance today, and give your furry friend the protection they deserve. 

Maximize Your Pet's Health with Pet Insurance Comparison

As a pet owner, it's essential to prioritize your furry friend's health. Unexpected veterinary expenses can quickly add up and put a strain on your finances. That's why pet insurance comparison is a smart choice. By comparing top pet insurance policies, you can find the best pet insurance coverage for your pet. With the right policy, you can ensure that you're always prepared to provide the best possible care for your furry friend.

The Benefits of Pet Insurance Comparison

Comparing pet insurance options is essential to finding the best coverage for your pet. Not all pet insurance policies are created equal, and some may not cover the services you need. pet insurance compare allows you to compare policies side-by-side, so you can see which ones offer the best value for money. It's also a great way to learn about different policy features, such as annual deductibles, co-payments, and reimbursement limits.

Having pet insurance can provide numerous benefits for a pet

 owners. With pet insurance, you don't have to worry about how you'll pay for unexpected veterinary expenses. Whether your cats need emergency surgery or a routine check-up, you can get the care they need without worrying about the cost. With pet insurance comparison, you can find the best pet insurance coverage to suit your needs, so you can provide your pet with the best possible care.