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ConsumerAffairs collects thousands of verified reviews and ranks the top pet insurance companies.
These top insurers can help you lock-in great rates and service to keep your pets safe and healthy.
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Like your health insurance, pet insurance helps make it affordable for you to get your pets the medical care they need without paying exorbitant fees. It is designed to cover unexpected accidents and illnesses. Plans are available for dogs, cats and other animals, even exotics.
Coverage varies from plan to plan, pet insurance generally covers:
Pet insurance works a little differently than human health insurance. With most pet insurance plans, you pay for the services upfront at the veterinarian and then file a claim to get reimbursed for eligible care. If approved, funds will be delivered to you by direct deposit or mail. The reimbursement amount varies depending on the plan you choose.
Plans start at around $15 a month, but they could cost more or less depending on the level of coverage and your dog’s age and breed. As an alternative to pet insurance, some companies offer discount plans for immediate savings.
Coverage is often worth it when it helps dog owners reduce worry and save money in the long run — most pet insurance companies don't cover preexisting conditions, but many cover breed-specific issues as long as you purchase coverage before problems develop.
If you have pet insurance, you might assume that it will cover all medical issues and expenses, but many times it has exclusions. Here are some common things not covered by pet insurance:
Pet insurance can be worth it if you anticipate having high medical costs associated with your pet. People who benefit the most from plans typically have older pets or are first-time pet owners who appreciate the peace of mind that comes with knowing they can take their puppy or kitten to the vet without paying out of pocket. Owners of multiple pets, who might have to pay medical expenses several times throughout a year, also find pet insurance plans attractive.
With checkups, grooming, food and treats, our furry friends can be quite an investment. Still, they're the best kind of investment, and pet insurance is a good way to ensure you won’t have to make tough financial decisions when choosing how to care for your pet.