Pet health insurance

Pet health insurance works in a similar manner to human health insurance policies, in that they both include annual premiums, deductibles, co-pays and caps.

Health insurance is available for all types of pets, including dogs, cats, rabbits, ferrets, exotic birds, reptiles, potbelly pigs and various rodents.

Cost of coverage is based typically on the animal’s age, health profile and the level of care you choose. Generally, older animals cost more to cover—and some companies have age limits. Also there may be exclusions for pre-existing conditions, and some insurers may not cover certain breeds that are prone to hereditary conditions (e.g. hip dysplasia).

Thursday, September 27, 2018

The Best Pet Insurance

The Best Pet Insurance

pet insurance
The best pet insurance offers coverage that’s broad enough for whatever healthcare your dog or cat needs — with high enough limits to cushion you in a worst-case scenario. We consulted with vets and pet care experts on what’s essential (and what’s simply a nice-to-have). Then we dug into the policy details, analyzed coverage, and put each provider’s customer service to the test.

How We Chose the Best Pet Insurance
To start, we combed the web for all insurers that sell individual pet policies in all 50 states. We wanted to compare only actual insurance, so veterinary discount plans like Pet Assure or financial relief programs like Red Rover were off the list. That left us with 12 companies that offer accident and illness coverage for dogs and cats.

pets insurance provider :

  • 24PetWatch
  • AKC
  • Embrace
  • Figo
  • Healthy Paws
  • Trupanion
  • PetFirst
  • Petplan
  • PetPremium
  • Pets Best

Comprehensive medical coverage

You want your pet’s plan to guard against the full range of costly medical issues that could occur over the course of his or her life. This means that in addition to accident and injury protection, you want continual coverage for cancer and other chronic illnesses, as well as hereditary or congenital conditions (such as cherry eye or liver shunts). The “continual” part is key here, Without it, your coverage could disappear when the policy year rolls over, even if your pet still requires care.

Coverage based on actual vet bills

All pet insurance works on a reimbursement model: You pay the vet bills yourself and then get reimbursed for covered services. Reimbursement should be based on your total vet bill, rather than on a benefit schedule or “usual and customary” charges.

The problem with benefit schedules is that they set a maximum payout for the diagnosis your pet receives. So if the actual treatment costs more, you’ll have to pay the difference out of your own pocket. “Usual and customary” reimbursement is slightly better, but it also caps payments (at amounts deemed typical for the treatment in your geographic region).

Both models are risky if your pet’s care costs end up being higher than normal, which is why we’re only recommending providers that base their reimbursement on the amount paid to the vet.

No limit for specific conditions

Additionally, a good plan should not place a limit on how much it will pay for specific conditions or incidents. Some plans have an annual maximum for covered expenses (say $10,000). Because you can’t predict what will happen to your pet, you want that full amount to be available for whatever comes up.

For example, if your cat swallows a string and needs surgery to remove it, you don’t want to find out that only 20 percent of your $10,000 benefit is eligible to pay for it. Similarly, if your puppy develops cancer, you don’t want to learn that your policy only reimburses up to $3,000/year for cancer treatments.

Prescription drug coverage

For pet owners, prescription medication is not a matter of if, but when. Pet Health and Safety Coach Arden Moore says that prescription drug coverage is vital: “Many conditions require continual medication, which can quickly get expensive without this provision.” Even small things, like a $30 bottle of ointment to treat ear infection (a recurring problem for many dog breeds), can add up over time.

To be clear, this coverage is not for preventative medications (like flea treatments), but it covers anything your vet prescribes. This makes it easy to buy prescribed medication directly from your vet, without having to worry about cost.

The 3 Best Pet Insurance Providers

  • Figo Pet Insurance - Best Overall
  • Healthy Paws - Runner-Up: Good for Cats and Small Dogs
  • Trupanion - Runner-Up: Good for Young and Purebred Pets
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