Many people insure their pets to help manage costs and to be prepared for future unexpected emergencies. These insurance policies usually cost a fixed monthly amount but could help you pay for high veterinary bills in unexpected circumstances like accidents or for operations your pet might need. The best pet insurance companies offer many variables to help you and your pet. Let’s go over the basics.
Do Your Pets Really Need Insurance Coverage?
Most definitely yes! Just as you insure your health, your home, or your car against accidents, injuries, and illnesses, in the same way, you need to get your pet insured. It helps significantly to avoid paying costly veterinary bills if and when your beloved pet becomes sick or injured.
Different pet insurance companies give different benefits to their clients. But, all of them give basic coverage to injury or disease. We have shortlisted some of the best pet insurance companies we think offer and cover a wide range of expenses concerning injuries, accidents, and illnesses in your pets.
If you are looking for the best coverage at the most reasonable price, Pets Best is the absolute right choice. Pets Best Insurance offers a wide range of plans that can easily fit into a pet owners’ budget.
The plan typically includes coverage of injuries to pets caused by road accidents. It includes covering common illnesses such as infections, and it covers hospital and surgery charges. In addition, chronic conditions, dental issues, and medical prescriptions are also included.
Another important and encouraging note is that they offer routine care and wellness coverage too. The waiting period for reimbursement of your money is also less as compared to other insurance companies.
There are several ways in which the Pets Best insurance company helps you to reduce your policy costs. 5% discounts are available if you insure more than one pet. Also, if you are a staff member, you are liable to a 5% discount.
Who hasn’t heard of the American Society for the Prevention of Cruelty to Animals? This society has taken the initiative to protect pets through its insurance partner, Crum and Foster. The ASPCA’s pet health insurance also offers full coverage with its plans that cover almost all and any kind of expense related to your pets. Apart from the regular services, this includes preventative care payments such as vaccines.
The ASPCA, unlike Pets Best, has a 14-day waiting period for reimbursement of your money. However, they offer a 10% discount on the insurance of multiple pets and to their employees. They also have smartphone apps, and you can also avail of their services in Canada.
Pet Assure insurance is also a good option as it is affordable, their monthly fees are low, it covers all kinds of pets, there is no waiting period, there are no annual deductibles or limits, and it also pays for pre-existing conditions in your pets.
The only drawback is that it is limited to in-network vets. Also, only 25% of the costs are covered by Pet Assure. Their network has almost 5,600 vets nationwide, and you can choose any of them. Just present your Pet Assure membership information to the veterinary doctor and get the services you need!
Embrace offers only a two-day waiting period, and their plans cover vet expenses at all veterinary hospitals with a license. The company offers a multi-pet discount of 10%, and they also give a 5% military discount. Another unique aspect of Embrace is that they reduce your deductibles by $50 if you have not filed for accident or illness related claims during the whole year.
To help you manage costs and expenses, it is advisable to get your pet insured by companies with a good reputation that offer you the best overall coverage with the least premiums and deductibles. We hope you find pet insurance that best suits your pets’ needs after going through our list!