Pet insurance is a great way to cover the medical costs for your pet. This is especially true if you have a pet with certain health issues. Buying pet insurance can be a confusing process, and you should take your time to make sure you choose the best policy for your needs.
You will pay monthly premiums based on the coverage you select, the size of your dog, and your location. You can find out how much you'll be paying by getting quotes from several companies.
Figo is one of our favorite cat insurance companies. This company offers low-deductible options and co-payments to reduce your out-of pocket costs.
Figo also has a very competitive waiting period. You will have to wait up to one year to file a claim if you already had a pre-existing illness.
Accident-Only Plan
An accident-only policy is a less expensive option that pays for vet bills in the event of sudden accidents, such as broken bones, lacerations and torn ligaments. The plan reimburses for diagnostics, exam fees, and other costs.
The Complete Coverage plan
You can purchase a complete plan that offers all the benefits of an accident-only policy plus sickness insurance for a little more money per month. This covers cancer, UTIs, heart disease, arthritis and other common ailments.
ASPCA – This nonprofit organization offers affordable pet insurance premiums with flexible policy terms. They also do not place an age restriction on conditions that are hereditary or congenital. They also have the best veterinary network of any pet insurance provider, which means you can get your cat the care they need when they need it.
Healthy Paws is a top-rated cat insurer that offers a comprehensive insurance package for pet owners. This includes coverage for chronic illness, emergency medical care, genetic or hereditary conditions, alternative medicine, and genetic and inherited conditions.
This policy does not cover any non-emergency care for long-term illnesses. This is a big drawback for many families, as these can be the most expensive types of treatments and can lead to a large out-of-pocket cost.
Trupanion Trupanion offers comprehensive coverage and high-quality service for your pet, unlike other insurers. Its veterinarians submit claims directly to the insurer, so you don't have to worry about sending them to a third-party. There are no annual limits, and the reimbursements are calculated based on local veterinary rates.
There are other benefits:
This pet insurance provider also offers coverage for wellness and preventive health care. This coverage covers spaying, neutering, dental cleansings, and various vaccines. This coverage includes up to $500 in behavioral therapy per year.
Pawp, a provider with a digital health centre that allows you to monitor the health of your pet and veterinary staff on call 24/7 for emergencies. The company also has a $3,000 saving account you can use if your animal gets injured or sick.