The 5 Best Pet Insurance CompaniesThe 5 Best Pet Insurance Companies

It is not always easy to decide if you should get pet insurance for your pet.

When you buy a puppy from a reputable breeder they come with a health guarantee. Then there is less risk for your puppy to be sick down the road. But you still need to get check ups and all the shots.

When you adopt a puppy or a dog there is no health guarantee. That is when pet insurance may be a good option for you.

It is not easy selecting pet insurance that suits your needs.

Pet  insurance plans include deductibles, co-pays, monthly premiums, and have coverage limitations. An alternative to pet insurance, you can set up a dedicated savings account for unanticipated health care costs for just in case.

We selected the 5 best pet insurance companies based on reviews, overall coverage and customer service.

Figo Pet Insurance 

Pros

-Tech savvy app loaded with features.
-Excellent customer service.
-Three tiers of coverage all include comprehensive medical protection.
-Cover unexpected illnesses and injuries of your dog or cat.
-Visit any licensed veterinary practice, emergency hospital or specialist in the US, Canada or Puerto Rico.

Cons

What is not covered:

-Pre-existing Conditions.
-Routine, Wellness or Preventative Care.
-Spaying or Neutering.
-Experimental Procedures.
-Breeding, Pregnancy or Giving Birth.

Healthy Paws

Pros

-Single comprehensive plan.
-No caps on annual or lifetime payouts.
-99% of claims processed in two days.
-Use any licensed vet.

Cons

-80% reimbursement with a $250 annual deductible.

Not covered:

-Pre-existing Conditions
-Preventative or Routine Care
-Spay/Neuter Procedures
-The Office Visit Fee or Examination Fee

Trupanion

Pros

-One great plan that covers all unexpected injuries and illnesses.
-One deductible per related complaints.
-Direct pay to vet.
– 90% reimbursement.

Cons

-Subpar customer service.
-May be expensive.
-30-day waiting period.

Nationwide Pet Insurance

Pros

Nationwide’s “whole pet with wellness” plan is the only policy among our top picks that covers routine wellness costs like exams, vaccinations, dental cleaning, and heart worm or parasite treatment. This coverage plan reimburses vet bills at 90%, meaning you’ll only have to cover 10% out of pocket in almost every single pet care scenario.

Cons

That said, it comes at a higher-than-average monthly premium plus a $250 annual deductible.

24PetWatch

Pros

-Offers pet recovery resources.
-More plans (have one more tier to choose from could be the difference between finding affordable coverage and settling on a policy that potentially offers more coverage than you really need).
-Multiple pet discount.

Cons

-Offers an “unlimited” tier when it came to annual benefits. You might require more coverage or an unlimited plan.

The 5 Best Pet Insurance Companies

 

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