Best Pet Insurance In The United States

Best pet insurance in the United States

Pet Insurance and particularly dog ​​insurance have become increasingly popular policies. That’s because anyone who has ever taken a sick or injured pet to the vet knows how expensive veterinary care can be. In this article we will talk a little about the types of pet insurance that exist; and which are the most popular insurers that offer excellent insurance for dogs and cats. Find out more information by reading on.

What does Pet Insurance Cover?

Pet health insurance can help cover the costs of unexpected illness or injury. These include:

  • Accidents and treatments for diseases and pathologies
  • Cancer and chemotherapy services
  • Surgery, hospitalization, and care
  • Laboratory tests and diagnostic tests, including X-rays and MRIs
  • Medicines
  • Genetic conditions
  • Alternative therapies such as acupuncture, hydrotherapy, and holistic and homeopathic medicine
  • Chronic and recurring conditions, such as allergies, diabetes, and hypothyroidism

You can also talk to your Allstate representative about the optional Wellness Rewards plan, which provides coverage for annual wellness exams, vaccinations, dental cleanings, and other types of routine care.

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Genetic and breed-specific conditions are covered, as long as the pet shows no signs or symptoms before enrollment.

Types of Pet Insurance

The types of pet insurance in the USA vary greatly from one company to another. The following are some of the benefits that can be found in the most comprehensive insurance policies:

  • Accidents. All necessary expenses for injuries caused by accidents, such as dislocations, broken bones, allergies, and problems due to exposure to toxic substances, bites, damage, and obstructions when swallowing bones and others. It includes the necessary therapies for its restoration.
  • Diseases. They cover everything from stomach upsets and diarrhea to serious conditions such as cancer.
  • Hereditary diseases. Some insurers also protect against congenital diseases and even behavioral problems.
  • Preventive Care. Necessary care to avoid diseases, such as vaccinations, dental cleanings, laboratory tests, and necessary tests, etc.

Pre-existing conditions are not generally covered by insurers. Deductibles apply per year that vary in most cases between $100 and $1,000.

Best Insurance for Dogs and Cats 2023

Our count is listed as follows:

  • Healthy Paws.
  • Pet Assure.
  • PetFirst.
  • Embrace.
  • ASPCA.

Keep in mind that we selected the best dog insurance companies because they offer the following aspects:

  • Generous coverage for accidents and illnesses.
  • Flexible premiums and deductibles.
  • Transparent terms.
  • Discounts for insuring multiple pets.
  • Preventive care coverage option or riders.

1) Healthy Paws: Best Insurance for Dogs and Cats Overall

This company offers a unique dog insurance plan that covers accidents and illnesses with an affordable annual deductible and no payment limits. Now, if you want to lower your premiums, Healthy Paws offers you the option to increase your deductible or lower your reimbursement level. In addition, it offers alternative medicine and treatments that include: Hydrotherapy, acupuncture, and chiropractic care.

Please note that Healthy Paws does not cover wellness expenses, veterinary exams, and treatment for behavior problems. Among its most notable features are:

  • Average Rating: 4.3/5 stars.
  • Dog Premium : $39.10/month.
  • Prima for cats: $12.71/month.
  • Annual deductible: $500.
  • No limitations on coverage.
  • This policy includes breed-specific conditions such as Hip dysplasia.

2) Pet Assure: Best for Low-Cost Dog Insurance

Pet Assure isn’t included in standard pet insurance, but its low cost and flexibility make it our top choice for owners of all types of pets looking to save money on pet insurance. This company offers plans for a single cat or a single dog, and a family plan for up to four animals of any size; plus an unlimited plan for all the pets in your home. Best of all, there is no waiting period before you can use your coverage. Among its main features are:

  • Average Rating: 4.1/5 stars.
  • Dog Premium : $99/year or $8.25/month.
  • Cat Premium : $99/year $8.25/month.
  • Annual deductible: $0
  • Low monthly rates.
  • Covers all types of pets.
  • No trial periods.

Finally, all Pet Assure plans include discounted veterinary services, including specialized treatments for:

  • Accidents.
  • Diseases.
  • Preventive care.
  • Pre-existing conditions.

3) Pet First: Best Insurance for Dogs for Routine Care

PetFirst offers a unique insurance policy that provides coverage for pet-related injuries, illnesses, and treatments, this policy protects your dog in the event of:

  • Hospitalizations.
  • Surgeries.
  • Diagnostic tests.
  • Exams.
  • X-rays.
  • Ultrasounds.
  • Medicines.
  • Holistic care.
  • Alternative therapies.
  • Emergency care.

Another point in favor of Pet First is that you can use your coverage just 1 day after your subscription begins. However, in terms of protection against diseases; This insurer limits your waiting period to 14 days.

Also, you have the option of adding the PetFirst Routine Rider Coverage, which pays for the cost of your pet’s annual veterinary exam; as well as vaccinations, behavioral training, microchipping and more. This rider is available in five levels, with annual coverage from $125 to $575. Now, the most outstanding features of this insurance are:

  • Average Rating: 4.0/5 stars.
  • Dog Premium : $15/mo.
  • Prima for cats: $9/month.
  • Annual deductible: $250.
  • Waiting period: 1 day for accidents, 14 days for illness.
  • Annual limits:  $10,000.
  • The network size is unlimited.

4) Embrace: Best Overall Insurance for Emergencies

Embrace does an outstanding job when it comes to dog emergency insurance. In the event of an injury, Embrace has plans that will cover your pet’s emergency bills at any licensed veterinary hospital. Now, accident benefits start after just two days. This means that Embrace has a much shorter waiting period than most of the competitors in this ranking.

On the other hand, Embrace offers insurance policies for pets that are:

  • Accident policy: Waiting period of 2 days.
  • Sickness Coverage: a 14-day waiting period.

This insurer is responsible for including a wide range of treatments and services in its policies, such as:

  1. Hospitalization.
  2. Surgery.
  3. hereditary conditions
  4. Exam fees.
  5. Emergency care.
  6. Chronic conditions.
  7. Cancer treatment.
  8. congenital conditions.
  9. Behavior therapy.
  10. Diagnostic tests.
  11. Prescriptions.
  12. Rehabilitation.

Embrace stands out in the following aspects :

  • Average Rating: 4.0/5 stars.
  • Dog Premium: $150/year.
  • Annual deductible: Varies between $200 and 1,000/year when you combine accident and illness policies.
  • Two days for accidents and fourteen days for illnesses are the waiting periods.
  • Annual limits: $30,000.

Finally, keep in mind that the Embrace accident insurance plan is available ( exclusively for dogs over 15 years old ) and covers costs related to:

  • Ingested objects.
  • Car accidents.
  • injuries.
  • Poisoning.
  • Cuts and lacerations.
  • Prescription drugs for covered conditions.

5) ASPCA: Best Insurance for Grouping Multiple Pets (Dogs and Cats)

The ASPCA insurer covers dogs and cats while offering a 10% discount for multiple pets; making it the best choice for homes with multiple furry family members. The ASPCA comprehensive coverage policy includes the following:

  • Accidents.
  • Diseases.
  • hereditary conditions
  • dental diseases
  • behavioral health

On the other hand, the ASPCA Accident Only Coverage policy pays exclusively for injuries and treatment related to accidents, such as:

  • Torn ligaments.
  • Bite wounds.
  • Broken bones.
  • Ingested objects.
  • X-rays.
  • MRIs.
  • Ultrasounds.
  • Surgery.
  • Hospitalization.

Plus, pet owners can add a preventive care coverage rider to any of the policies to get coverage for vaccinations, dental cleanings, routine exams, and more. ASPCA is an insurance company that stands out in the pet sector for the following:

  1. Average Rating: 4.0/5 stars.
  2. Cats and Dogs Premium: $8/mo up to $40/mo based on the number of pets.
  3. Annual deductible: Varies between $100 and 500/year depending on the number of pets.
  4. Waiting period: two days for mishaps and fourteen days for illnesses.
  5. Annual limits: $10,000.
  6. Copays : 10% to 30%.
  7. Waiting Period: 14 days for accident and sickness coverage, one day for preventive care.
  8. Network size: Unlimited.
  9. Discount for multiple pets (10% discount for each one)
  10. It Covers cats and dogs.
  11. Offers an app for smartphones.
  12. Any authorized veterinarian in the US or Canada is accessible to you.

Regulatory Bodies

  • The Department of Domestic Insurance  ( DOI ) of each state within the United States is in charge of examining insurers that claim to offer pet insurance.
  • On the other hand, pet insurance is considered within property insurance, such as vehicle and home insurance, more than health insurance. The NAIC also interferes with insurance companies.
  • Finally, the Consumer Protection offices are an option in case of discrepancies with any of the insurers.

Does My Pet Qualify for a Policy?

Your pet needs to be under 14 years of age to get a new insurance policy. If your pet is older, or has been diagnosed with or has shown symptoms of diabetes, Cushing’s, Addison’s, or FeLV/FIV, an accident plan may be a better option. This plan covers:

  1. Examinations by doctor or nurse, and specialist fees
  2. Laboratory analysis
  3. Emergency care and hospitalization
  4. MRI, CT scan, X-rays, and ultrasounds
  5. Acupuncture services, chiropractic fees, and holistic medicine
  6. Physical therapy, including hydrotherapy
  7. Laparoscopy and surgery, including laser surgery

If you have medical records from your veterinarian showing that your pet’s pre-existing condition has been cured for more than six months, he may qualify for coverage.

Are you looking for pet insurance policies and plans?

If you consider investing in this insurance, keep these seven factors in mind.

  1. Ask your breeder, rescue organization, or veterinarian if they can recommend an insurance company; Or consider adding the policy to your vehicle, property, or other insurance you have.
  2. In general, the higher the deductible, the lower the premium. Evaluate how much money you can easily pay for emergencies before deciding on your deductible.
  3. If you’re thinking about buying pet insurance, it’s best to do so before a serious veterinary diagnosis. May not cover pre-existing conditions.
  4. Be aware of lifetime limits or annual caps. “The cap can be very problematic,” says Colleen Stratton, who spent thousands of dollars treating her cat.
  5. Although most plans cover dogs and cats, some also offer coverage for exotic pets, such as lizards, birds, rabbits, and other critters. Please investigate further if you are seeking coverage for these animals.
  6. Routine veterinary care plans that cover vaccinations, grooming, and other wellness services cost more per month but can be helpful in budgeting for monthly expenses.
  7. Don’t forget to read the fine print to find out what the plan does and doesn’t cover.

Pets are family

You ultimately want your dogs to be content and healthy. If your pet gets sick or hurt, you want her to get the care she deserves. Whether you have a new pet or are surrounded by your furry friends all day, it’s never too late to consider health insurance for your pet. By researching what works for your family and planning for the unexpected, your pet can be protected when they need it most.