- Updated on September 2023
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 cat insurance.
Reimbursement For Up To 100% Of Rx Costs
- 24/7 Customer Care and Live Vet Access
- No Payout Limits – Unlimited Lifetime Coverage
- Direct Payments to the Vet or Submit Online
This is a specially selected brand,its score is based on multiple factors such as the users’ choice and feedback, our experts’ ratings and the brand’s popularity. This score is meant to help you make an informed decision and find the solution that fits your needs. Our reviews are unbiased and reflect the current state of the brand. In order to keep our service free, we receive monetary compensation – but only if you choose to utilize the services of the brands listed here.
You Can Get Up To 90% Back On Vet Bills
- 24/7 Pet Health Line Brought to You by PawSupport
- Flexible Wellness Rewards Plan Available
- 30-Day Money Back Guarantee
This is a specially selected brand,its score is based on multiple factors such as the users’ choice and feedback, our experts’ ratings and the brand’s popularity. This score is meant to help you make an informed decision and find the solution that fits your needs. Our reviews are unbiased and reflect the current state of the brand. In order to keep our service free, we receive monetary compensation – but only if you choose to utilize the services of the brands listed here.
Plan Options with a $1K Annual Deductible
- 90% Reimbursement For All Cats Enrolled, Eight Weeks & Up – Seniors Included
- Voted “Best Pet Insurance for Comprehensive Coverage” by Business Insider
- 10% Multi-Pet Discount For Each Additional Pet You Enroll
This is a specially selected brand,its score is based on multiple factors such as the users’ choice and feedback, our experts’ ratings and the brand’s popularity. This score is meant to help you make an informed decision and find the solution that fits your needs. Our reviews are unbiased and reflect the current state of the brand. In order to keep our service free, we receive monetary compensation – but only if you choose to utilize the services of the brands listed here.
Up To 100% Reimbursement
- Choose a Veterinarian Of Your Choice – Virtual, In-Person, Or at Home
- 5% Multi-Pet Discount
- Freedom to Visit Any Licensed Vet in the US
This is a specially selected brand,its score is based on multiple factors such as the users’ choice and feedback, our experts’ ratings and the brand’s popularity. This score is meant to help you make an informed decision and find the solution that fits your needs. Our reviews are unbiased and reflect the current state of the brand. In order to keep our service free, we receive monetary compensation – but only if you choose to utilize the services of the brands listed here.
Frequently Asked Questions (FAQ)
Pet insurance will cover the cost of medical care your beloved pet might need. Simply google ‘pet insurance companies,’ and you’ll find a wealth of options such as Pumpkin, Lemonade, or Spot.. You can get pet insurance for puppies as little as six weeks or for pets that are already seniors.
There are several good reasons why you should make sure your pet is insured:
1. Pet insurance programs help you save money
This might sound counterintuitive since you’ll be paying monthly premiums. However, if you need to use your pet’s insurance, you’ll be happy to have it. Medical treatment for pets costs a lot these days. For example, a plain dermatitis treatment can cost $400 – $500, and this can be a recurrent health issue, especially among dogs. Surgery can cost thousands of dollars depending on the type of disease the pet suffers from, with a plain kidney removal costing around $1,500, while complex robotic surgery can cost $10,000. These are amounts not many pet owners can afford to pay upfront. So, instead of having to break the bank or ask for a loan, you can choose to spend a few hundred dollars per year and get your pet insured.
2. Pet insurance can cover regular checkups too
With pet insurance, you have different options. You can get a basic plan that only covers accidents and illness. However, you can opt for a higher tier that costs more but is also more comprehensive. This can also include the regular checkups Fido needs. So, the annual fee will also offer necessary medical services that will make it worth it. For example, you can get the yearly vaccinations covered.
3. Pet insurance programs give you more peace of mind
If you have a pet, you know how stressful it is to see them suffer or to need to rush them to the vet if they get injured. When you’re not pet-insured the distress grows even further. Besides worrying about your beloved pet’s health problem, you’ll also worry about your wallet. Some pet owners even postpone medical treatments their furry friend needs because of the related costs. With a pet insurance plan, you get reimbursed for medical expenses even if you pay upfront. Your pet is safe, and so is your budget.
Pet insurance can cover different aspects and, just like the insurance you get for your health or your home, there are different plans you can choose from. The more expensive the plan is, the more medical treatments it covers.
When you take out pet insurance, you basically enter a legal contract with the insurance company. It works like any other insurance. You have different payment options too. Usually, most pet owners prefer to pay for the insurance monthly. If you want to, you can also pay per year. The insurance is renewed each year. Of course, you can also stop paying and terminate the contract. If your pet needs medical treatment, your carrier will cover some or all the associated costs depending on your plan.
Each insurer has its terms and conditions. To make sure you’re fully aware of what you get for your money, make sure you read them. Also, make sure you understand what requirements the carrier has. There are different limitations regarding the pet’s age or breed. If your pet suffers from a pre-existing condition at the time you get insurance coverage, the carrier will typically not cover the costs related to that condition.
Be aware of deductibles and maximum yearly payouts too. Deductibles are the amounts you have to pay yourself before the carrier steps in to cover the rest of the expenses. The maximum payout is the maximum amount you can get reimbursed for.
There are three major circumstances pet insurance covers:
1) Accidents
2) Illnesses
3) Regular checkups
The most basic insurance plans cost less, even as little as $10 per month. However, they will only cover your pet in case of emergencies. The most comprehensive insurance plans include accidents and injuries, different medical treatments, regular checkups, and wellness services such as dental cleaning.
The average pet insurance rates are around $500 – $600 per year for dogs. The price is lower for cats, usually about $350 per year. If you divide this amount by twelve months, you will only have to pay approximately $50 for a dog and $30 for a cat. The price is worth it, considering that you can get your pet covered for illnesses and emergencies that may amount to treatments of hundreds or even thousands of dollars.
The insurance price will always depend on the pet’s age and breed. The older the pet, the higher the price. Rare and expensive breeds also cost more.
In general, no, they don’t. This doesn’t mean you can’t add it to your insurance, however, but the standard is for it to be an add-on. Most companies’ regular insurance plans will focus on the more expensive aspects of pet care (surgeries, accidents, chronic or acute illnesses), but will start extending coverage once the issue has been diagnosed. However, you can still get your pet insurance to cover routine visits if you add a “wellness” package to your insurance plan. Even so, there are some pet insurance companies, as well as some discount programs, which will cover regular vet visits, standard treatments, and diagnostic tests.
Although there are several factors that could affect your monthly premiums—everything from your pet’s health history, age, and what deductible and reimbursement rate you choose—pet insurance plans in general don’t cost you very much month to month. On average, most pet insurance premiums run you between $20 and $50 a month. It is important to keep in mind, however, that pet insurance for dogs is slightly pricier than pet insurance for cats.
Pet insurance is well-known for having significantly faster resolution times than regular insurance claims, but it’s still not immediate. While most companies advertise how quickly they can complete a claim and reimburse you, they will generally have at least a two-day waiting period, with times ranging up to 6 months when dealing with orthopedic conditions. Usually claim resolution times will vary based on the type of claim you make—accidents get resolved the quickest, followed by illnesses, and lastly by orthopedic conditions such as arthritis or hip dysplasia.
Pet insurance is well-known for having significantly faster resolution times than regular insurance claims, but it’s still not immediate. While most companies advertise how quickly they can complete a claim and reimburse you, they will generally have at least a two-day waiting period, with times ranging up to 6 months when dealing with orthopedic conditions. Usually claim resolution times will vary based on the type of claim you make—accidents get resolved the quickest, followed by illnesses, and lastly by orthopedic conditions such as arthritis or hip dysplasia.
There are many aspects to consider before you get insurance coverage for your pet. The price is certainly important. But you shouldn’t overlook the benefits of a more comprehensive plan, even if your monthly premiums will be higher. Does your pet’s breed make them sensitive to specific food allergies or more likely to develop health conditions such as skin, articulation, or eye problems? Then, you should opt for a more inclusive plan that can reimburse you for the related treatment.
Also, you might want to make sure your carrier provides quick reimbursement and a straightforward process for claiming it. You don’t want to spend months before getting reimbursed and waste time with too much paperwork. Good customer ratings and prompt support services are other factors to consider while choosing top pet insurance.
