Pets are the cutest family members anyone can ever have. The people who keep pets love them as their own and are thus known as “Pet Parents.” While having a pet is a great and heart-warming experience, watching them get sick can be painful. Moreover, medical treatments’ expenses are costly and can upset your entire budget. Without proper planning, you could lose all the savings you managed to gather for your trip to the Bahamas. This is where the role of pet insurance kicks in.
Top Pet Insurance Companies
Pet insurance helps you save thousands of dollars and allows you to focus on your pets’ health instead of worrying about vet bills and medical fees. However, choosing the right insurance provider is essential if you want to stay worry-free. We have listed the best pet insurance companies to make selection easier for you.
ASPCA
The full form for ASPCA is the American Society for the Prevention of Cruelty to Animals. ASPCA is a renowned nonprofit organization for animal rights. Besides foundation work, ASPCA provides pet health insurance plans that help many people to steer clear of the financial burdens caused by massive veterinarian bills and fees. The annual deductibles of ASPCA are $100, $250, and $500. There are reimbursement options, including 70%, 80%, or 90% of the costs covered. At ASPCA, your pet gets a yearly coverage of $3000 to $10000.
ASPCA pet insurance includes coverage for the following:
- Accidents
- Dental disease
- Behavioral issues
- Illnesses
- Hereditary conditions
However, there are exceptions with some pre-existing conditions and preventative care. It means that their policy does not cover healthy dogs and shots. ASPCA insurance covers the expenses for your dogs, cats, or horses. If you have additional pets, the cost per month gets less by 10%. Also, there is no upper limit for pet age.
Healthy Paws
Healthy Paws has earned high marks from customers in the Healthy Paws review section. Insurance providers at Healthy Paws give coverage for pets with no annual, per-incident, or lifetime caps. This helps you deal with the financial risk of cancer treatments, surgeries, and other high-cost treatments.
The annual deductibles at Healthy Paws are $100, $250, or $500, and reimbursement options vary from 70%, 80%, or 90%. The plus point of Healthy Paws insurance is that it has no policy limits. They cover the following:
- Illness
- Accidents
- Hereditary conditions
- Cancer
- Medications
- Emergency care
- Imaging and testing
- Surgery
- Hospitalization and other treatments
The overall Healthy Paws review is good, but you need to look out for exclusions like pre-existing conditions, spaying procedures, preventative care, and exams. Also, your pets must be older than eight weeks and less than 14 years old to be eligible for enrollment.
Pumpkin Pet Insurance
Pumpkin pet insurance offers a simple quoting experience. Getting an accurate quote for your beloved pet has never been easier! There are fewer coverage options. However, the available options are way more beneficial than other insurance providers.
Pumpkin’s annual deductibles include $100, $250, or $500 with a 90% reimbursement rate. The yearly coverage limit is $7,000 for cats and $10,000 for dogs. The insurance plans by Pumpkin cover:
- Accidents
- Illnesses
- Testing
- Surgery
- Treatment
- Hospitalization
- Alternative therapies
- Hereditary conditions
- Dental and gum disease
- Behavioral issues
- Sick visit exam fees
- Microchips
- Prescription dog food in some cases
Besides providing coverage for a wide range of problems, Pumpkin pet insurance stands a class apart by offering a 10% discount on having more than one pet. For coverage of preventive care, you need to pay additionally every month.
American Kennel Club
If you are looking for a low-cost plan for your pet, the American Kennel Club is the perfect option. With annual deductibles of $100 to $1,000 and a coinsurance range from 10% to 30%, AKC aims to provide the best service. Their annual limits vary from $2,500 to unlimited.
The American Kennel Club offers CompanionCare accident and illness coverage, including:
- Allergies
- Broken bones
- Diagnostics
- Toxic ingestion
- Medications
- Physical therapy
- Surgery
- Hospital stays
- Holistic coverage
Pre-existing conditions, cosmetic treatments, and physical examinations are not included. AKC offers a 5% discount every month on additional pets.
Pet Assure
Pet Assure and traditional pet insurance policies are not the same. The aim of Pet Assure is to help you in getting discounted prices and fees with in-plan veterinarians. The enrollment process is simple and easy – it hardly takes minutes of your precious time. There are no deductibles or waiting periods. You simply pay a discounted fee for the treatments and services this policy covers.
These treatments include:
- Dental exams
- Dental cleanings
- X-rays
- Spay/neuter procedures
- Routine care
- Cancer care
- Hospitalization
- Well-pet visits
- Surgery
- Allergy treatment
- Illness
- Injury
- Parasite screenings
There is no exclusion criterion, including pre-existing conditions.
Conclusion
Looking out for your pet is essential. Pet parents and lovers should ensure the healthy future of their furry friends. If you haven’t registered for an insurance policy yet, get your pet registered now! Don’t forget to view the client reviews. Visit all the reviews from the Pumpkin or Healthy Paw review section or do a little research online. You’ll find your insurance provider of choice in no time.
