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Introduction
As much fun and entertaining as it is, to have pets in our homes, it does costs a lot to keep one. Pet owners must be aware of how expensive it can be when your furry friend gets sick and requires urgent medical attention. It is times like this when having pet insurance can save you from having to spend hefty amounts for their treatment. Pet Insurance coverage functions just like any other health insurances for humans.
Studies have shown that the first pet insurance policy was introduced in 1982. And, since it was an alien concept, people had not paid much attention to it. Coming back to present times, we have seen many companies starting to take interest in providing insurance for your pets as well. There are many Insurance Companies exclusively for pets today.
PetPlan
PetPlan covers all medical expenses that is related to illness, accidents, injuries, or any other health issues. This includes all non-routine dental treatment, hereditary conditions, specialist treatment, exam fees, etc.
It gives so many offers to its customers including a 30-day money-back guarantee. Petplan is applicable for any licensed vet who resides in the United States or Canada.
However, the plan does not cover issues of preventive care, burial, or routine care. The cost of the plans starts as low as $250 annually. Petplan is applicable for any kind of health-related issue any where in US and Canada, which give pet owners a great advantage.
Read full reviews on PetPlan Insurance and get it here!
Pawp Emergency Fund
Pawp is a pet insurance company that offers budget-friendly plans for pets. It gives equal coverage to all breeds of cats and dogs. You will receive Emergency Fund of up to $3000.
The waiting period takes only about 5 days max and you can access to Pawp 24/7. Moreover, there is no age restriction when you subscribe to this program.
And, one plan can cover up to six pets which is a great advantage of this program. The plan starts at $19 per month. The pawp emergeny fund is genuinely for emergencies, therefore it does not include routine checkups, vaccines, and follow-up vet appointments.
You may read more about Pawp Emergency fund here!
Healthy Paws
Healthy Paws is one of the most popular Company offering a pet insurance plan that covers unforeseen accidents and illnesses of your pets. This consists of just one single plan. Here there are no limitations on the payouts and is deductible on an annual basis.
Since there is just one single plan, you can either lower the level of your reimbursement options; or raise the deductible, in cases where you want to lower or raise the premium.
Under Healthy Paws, it also covers basic treatments such as acupuncture, chiropractic care, and hydrotherapy. However, it does not cover miscellaneous services like Vet visits, additional expenses for their wellness, behavioral issues treatment, and so on.
Pets Best
At Pets Best, there are no age limits and breeds of the pets. This Insurance plan is specifically for dogs and cats to cover for any accidents and illnesses. At Pets Best, you can choose from the three types of plans at your convenience. Essential, Plus, and Elite. The pet insurance coverage starts from accidents, illness to rehab. They also offer coverages for pets’ wellness plans such as deworming, vaccination, prevention of flea and ticks, and so on.
When you enroll at Pets Best, there is a deductible done on an annual basis. And, the payout limits start at $5000 a year. Coverages are done on routine health checkups to ensure the overall pet health. The waiting period is shorter than most companies. And, it takes just a few days for the activation of coverage, once the insurance is filed.
ASPCA Pet Health Insurance
The American Society for the Prevention of Cruelty to Animals or ASPCA Pet Health Insurance is another company that caters specifically to cats and dogs during any unforeseen accidents and illnesses. Under this, the annual deductibles and payout limits are adjustable.
And additionally, it covers other pet-related issues of behavioral problems. This includes destructive chewing, pulling off their furs, and so on. An advantage of enrolling at ASPCA insurance is that it offers coverage for pet preexisting conditions as well.
Pet First Pet Insurance
Pet First Pet Insurance was first introduced in the year 2004. Currently, the MetLife Company has purchased it in the year 2020. PetFirst is an insurance company that has been offering coverages for pets, cats, and dogs; in particular for accidents and various types of illnesses.
Although they do not have any major restrictions on age. The only age-related policy is that the pets should be of 8 weeks old at the very least. Pet First, offers attractive discounts and offers with the motive to help all its customers save money with their insurance policies.
Trupanion
Trupanion is another insurance company for pets. They are known for their unique feature of offering direct payment of all expenses incurred at the Vet’s clinic. For instance, if you take your pets to a Vet’s clinic which is on the participating list of the Insurance Company, Trupanion will directly pay the veterinarian so that you won’t have to file a claim.
Just like Hearty Paws, Trupanion also has just one insurance plan. However, they have variety of insurance coverage plan options that includes a Recovery and Care Rider and a Pet Owner Assistance Package.
Nationwide
Nationwide is an Insurance Company which introduced pet insurance plans for the first time in the United States. They provide coverages for basic routine care and coverages for preventative diseases as well.
The Insurance plan is specially designed for pets such as cats and dogs. They also provide customers with an option to buy separate insurance plans. This pet insurance includes cases of illness coverage, accidental coverage, and wellness coverage.
Although their main objective is to cover the medication costs of cats and dogs, they also offer coverage for exotic pets. For instance, chinchillas, ferrets, rats, amphibians, lizards, snakes, tortoises and birds as well.
If you compare plans of Nationwide with other Pet Insurance companies, it may be on the pricier side. This is because they also cover for pets’ wellness which is something most Companies don’t do.
Embrace Pet Insurance
Embrace Pet Insurance offers two different types of pet insurance policies and by which, the first insurance plan covers only accidental care and the second policy plan covers both accidental care and illness care.
At Embrace, they do not cover wellness care for your pets. The pet insurance coverage is not for a lifetime and there are limits annually. Your annual limits will be reset every year which is an advantage for all pet owners, especially if your pets have congenital conditions or hereditary conditions of the health.
You can avail for discounts and offers if you enroll multiple pets in an insurance plan.
Conclusion
As a pet parent, you always want the best for your pets and getting Pet Insurance gives you a peace of mind, especially when your pets gets sick. You can fully concentrate and care for your pet without worrying about the finances. Suppose your pet meets with an accident and have broken bones now, it needs immediate veterinary care to undergo the necessary treatments. If your pet is not covered under any insurance plans, the vet bill will cost a lot.
And as such, in the initial stage, although the cost of pet insurance may be slightly high depending on the type of plan you choose, it will be worth the cost paid when your pet gets into some unforeseen accidents and illnesses in the future. Therefore, getting pet health insurance coverage is just as important as getting health insurance for yourself in today’s time!
