Best Rated Pet Insurance For Dogs - The lifetime costs of keeping your pet healthy can be significant. To save money, many pet owners choose the best pet insurance for dogs and cats to offset veterinary costs.
The biggest advantage of this insurance is that you are not limited to a restricted network of veterinarians or pet hospitals. You can take your pet to any clinic; however, you must pay the bill in advance. Insurance companies will later pay for the covered services listed on your policy.
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To help you find the best insurance plan for your pet, we've outlined five of the best options available today.
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Pumpkin Pet Insurance offers a comprehensive accident and illness policy that covers treatments and procedures not typically covered by other plans, including microchipping, dental treatment, and necessary treatment for hereditary conditions. It also offers Preventative Essentials as an additional coverage supplement. This health package includes coverage for routine visits and vaccinations.
As with most pet insurance plans, treatment is not covered if the animal begins to show signs of illness before coverage begins. However, if the pre-existing condition is resolved and cured and your pet has no symptoms and is untreated for 180 days, Pumpkin covers treatment if your pet's symptoms recur in the future. The only exception is the ligaments of the knee and hind leg.
Pumpkin offers 90% reimbursement on all covered pets eight weeks of age or older. Annual coverage limits range from $7,000 to an unlimited amount, depending on the plan you choose and the type of animal you own. The cost of your plan depends on the breed and age of your pet, where you live, your annual deductible and your annual coverage limit.
Pumpkin offers insurance that includes on-site and virtual exam fees for accidents and illnesses, behavioral issues, prescription foods for covered conditions, certain alternative therapies, physiotherapy, hereditary conditions, parasitic infections and the microchip.
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Pumpkin also covers exams, x-rays, treatments, procedures and medications needed to diagnose and/or treat gum disease and periodontal disease.
Some situations aren't automatically covered, including pre-existing conditions that show symptoms before coverage begins, routine health or preventative care, and optional procedures such as sterilization. Pumpkin also includes procedures related to boarding, rearing, training, care, or funeral services.
Pumpkin offers a 10% discount for each additional animal. To address the lack of preventive coverage, the insurer offers a wellness package called "Preventive Basics", which offers 100% reimbursement for annual wellness exams, vaccinations and annual parasite tests.
Spot offers pet insurance policies for cat and dog owners. They have accident and sickness plans, accident only plans, and preventative care supplements.
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The biggest advantage of Spot pet insurance is that there is no annual or lifetime coverage limit. You also have the option of customizing your plan based on your annual deductible and level of reimbursement. If you need help, the company offers 24/7 access to a free veterinary hotline.
Spot offers unlimited annual and lifetime coverage. You can also choose from a range of annual deductibles from $100 to $500 and reimbursement levels from 70% to 90%. Monthly or annual premiums are based on age, breed, location, reimbursement percentage, annual deductible, and the specific plan you choose.
The one-time recording includes symptoms of an accident or illness that occur after the waiting period. Covered services and treatments include MRIs, CT scans or X-rays, poison consultations, microchipping, behavioral therapy, cancer treatment, prescription drugs, medical supplies, hospitalization and surgery.
All pets, regardless of health status, are eligible for coverage as long as they are eight weeks of age or older. Spot also covers end-of-life costs such as euthanasia, burial and cremation.
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Spot also offers accident-only policies that exclude sickness, nursing, boarding, elective surgeries, breeding, home visits, and dental procedures. Accident-only insurance plans cover accident-related services, including but not limited to alternative therapies, end-of-life expenses, surgery, and prescription drugs.
Like other pet plans, Spot does not come with predefined conditions. Other exclusions include elective or cosmetic procedures, non-FDA treatments or supplements, nutritional diets for pets, dental cleanings, and grooming, training, and boarding expenses.
Spot offers a 10% discount on the insurance policy for each additional animal. You can also choose to add Gold or Platinum preventive coverage to reduce the cost of routine medical visits, including dental cleanings, vaccinations, fecal tests, screenings, blood tests and sterilizations.
The American Society for the Prevention of Cruelty to Animals is a nonprofit organization that provides pet insurance underwritten by the United States Fire Insurance Company. Founded in 1997, the ASPCA has over 25 years of pet insurance experience. They offer comprehensive pet insurance and accident-only policies for pet owners. You can also add preventative coverage to help pay for health care.
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To make things easier for pet owners, the ASPCA has a mobile app that lets you submit and track claims, find the nearest veterinarian, and pay bills. They also offer a range of online services such as an online member center, Vet Finder and free online quotes. A 24/7 telehealth line is available to pet owners when your pet needs immediate care but cannot leave your home.
The ASPCA offers a full coverage plan or an accident-only plan that can reimburse up to 90% cash back on medical expenses. Reimbursement rates range from 70% to 90%, with annual deductible options of $100, $250, and $500. Annual coverage limits range from $3,000 to $15,000.
A comprehensive ASPCA coverage plan includes accident and sickness coverage that covers the cost of diagnosis and treatment of common injuries and illnesses. Closed injuries include broken bones, cuts, bruises, burns and accidental ingestion. Illnesses covered include minor illnesses such as ear infections or stomach ailments and serious illnesses such as cancer.
In addition to accidents and illnesses, the comprehensive coverage plan covers microchipping, hereditary conditions, alternative therapies, prescription foods and supplements, and behavioral issues. If comprehensive coverage exceeds the amount of coverage you need, you can also opt for accident-only coverage.
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Pre-existing conditions are not covered if symptoms occur before coverage begins or during the waiting period. Covered only if previous illness has cleared and your pet has been free of symptoms and treatment for at least 180 days. Other exclusions include elective or cosmetic procedures and breeding expenses.
The ASPCA offers a 10% multi-pet discount and provides preventative coverage for $9.95 per month. Preventive care can help reduce the cost of routine care such as vaccinations, dental cleanings and annual exams.
Fetch offers comprehensive accident and illness coverage for dogs and cats. Unlike other pet insurance companies, they cover hospital stays if you are hospitalized and advertising costs if your pet gets lost. To make up for their lack of preventative coverage, Fetch includes veterinary exam fees that most insurance policies exclude.
They also offer a wide range of discounts for AARP members, vets, and military personnel. Although they have a long waiting period to cover hip or ligament issues, they can reimburse you within two days of processing your claim.
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Fetch offers up to 90% cashback and even advertises that it can issue refunds within two days via direct deposit for covered services. Their plans average $35 per month for dogs and $25 per month for cats. Fonts for puppies and cats also cost less. Maximum annual coverage ranges from $5,000 to unlimited. The annual deductible options are $250, $300, and $500.
Fetch covers expenses related to illness and injury, including exam fees, dental issues, breed-specific health issues, alternative therapies, emergency veterinary visits, specialist visits, diagnostic tests, hospitalization, physiotherapy, behavioral therapy, virtual payment offer plans. travel expenses, supplements, accommodation if you are hospitalized and advertising costs for lost animals.
Pre-existing conditions are not included. Other exclusions include routine and preventative care, prescription food, claims filed more than 90 days after the date of service or treatment, and events that occurred before coverage or during the waiting period.
Fetch offers many discounts that other pet insurance plans don't. These discounts include 10% for adoptable or rescue animals, 10% for AARP members, 10% for serving and retired military and their families, 10% for therapy animals, and 10% for veterinary personnel. You can also get a healthy pet loan and get up to 30% off your premium if you don't make a claim for a while.
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Healthy Paws offers comprehensive sickness and accident policies for cats and dogs. Although exam fees and preventative care are not covered, this company has annual and lifetime coverage limits and no covered incident caps. To determine if your pet is eligible, you must undergo a complete physical examination by a licensed veterinarian prior to check-in.
Healthy Paws Pet Insurance offers up to 90% reimbursement
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