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What is the best pet insurance?

Should I get pet insurance? If so, what is the best?

  • I have a year and eight month old dog. She's my only pet. She was on a vet's wellness plan for about a year and I'm thinking of getting insurance after that contract is up. Any suggestions? Are pet insurances a worthy investment?

  • Answer:

    Pet insurance is good for unexpected accidents and illnesses. They can get expensive quickly, so it's nice to have insurance to cover the costs. Pet insurance does not cover pre-existing conditions, so if your pet is already sick or injured, it is unlikely that pet insurance will cover the costs to treat it. For other costs like regular exams and vaccines, it's best to self-budget since these costs are expected. Some pet insurance companies offer coverage, but it is typically not cost-effective. (Imagine paying an extra $200 per year on your premiums for $200 worth of routine coverage...) A few good questions to ask when researching pet insurance are: 1. Does the policy cover everything? Hereditary and congenital issues? 2. What are the payout limits? Will it be enough money for my worst case scenario? 3. How much does it cover for each condition? 4. What are the pricing and deductible options? 5. Is it an ongoing policy? If my pet has an illness during my first policy year, will it be covered the next policy year? Be sure to do thorough research - Some plans don't pay based on your actual bill, but have lists of predetermined dollar amounts that they will pay for each condition which can be shockingly low in many cases. I would recommend getting an actual insurance plan that covers based on your bill so that you are never faced with a difficult and expensive situation when you *thought* you were covered. We cover 90% of the actual bill for diagnostic testing, treatments, surgeries and medications including emergency and specialist visits. Trupanion is also the only provider to offer a $0 deductible option. Feel free to give customer service a call and get a no-obligation quote to ask all the necessary questions and find out what's best for you.

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I have a dog and we don't have insurance. I think insurance is really expensive. I might be wrong but i think its $50 a month. We are better off not getting insurance but that's what i think.

Megan

We have 2 dogs and they all are covered with insurance. We are with Healthy Paws Pet Insurance (www.healthypawspetinsurance.com). All of our dogs are 4+ years old and monthly premiums are around $36/ea. For me insurance is worth it. For the sake of my wife and I doing without one decent dinner out a month, I know our dogs can get the best possible care for any illness/injury and not worry about the financial implications for the family. Before I chose Healthy Paws I went to Pet Insurance Review (www.petinsurancereview.com). Unbiased site that has actual pet insurance customers that have filed claims write reviews of their claim experience with their companies. Based on those reviews, each company is ranked from 1 to 10 (10 being best). Even though Healthy Paws has only been around for about 2 years, they are the highest rated company (9.9) AND they give back to animal rescue/adoption groups through a foundation they have created. Good luck with your decision!!

Hammer24

Pet plans good when we went to vest if it under a year old u get a month free and you don't even have to sign up it's a good insurance had it with my other pet before she passed

coolrabbitz

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