When it comes to ensuring the health of your pet, it’s important to have a plan in place. Pet insurance is an essential feature for any pet owner who wants to make sure their furry family member is as happy and healthy as possible. But what are the most popular pet insurance companies in America? We’ve compiled this list so you can determine which company suits your needs best:
What Is Pet Insurance?
Pet insurance, also known as pet health insurance and pet medical insurance, is a type of insurance that covers the costs associated with routine and emergency veterinary care. It can also help cover certain procedures or surgeries that may be needed to keep your pet healthy.
Wondering why you should get pet insurance? There are many reasons! You might want to consider getting it if:
- You don’t have enough money saved up to pay for unexpected vet bills right away (let alone in the future).
- Your dog or cat has had an injury or illness before which required medical attention.
- Your veterinarian has recommended treatment for chronic conditions like allergies or arthritis that requires regular visits at a specialty clinic for checkups and treatments like acupuncture sessions.
Is It Necessary?
If you’re considering purchasing pet insurance, it’s important to know what exactly it covers. Some people may assume that they are paying for something that will cover all possible expenses associated with their pets. This isn’t always true, as there is a wide range of services that are covered and some that are not. There are also many variables when it comes to premiums and deductibles, so finding the right plan can be challenging.
When deciding on whether or not pet insurance is right for you and your pet, consider these questions:
- What do I want covered?
- How much do I want covered?
- Is this something I can afford?
Is Pet Insurance Affordable?
If you’re looking to save money on pet insurance, there are a few things you can do. First, compare premiums from different companies. While all of the major providers offer discounts for multiple pets and older pets, some companies also offer other ways to save. For example, Petplan offers a 10% discount every year on your premium if your pet earns its Good Citizen certification through the American Kennel Club or Association of Pet Dog Trainers (APDT). Also, be sure to look into raising your deductible—the amount that you pay before the insurance kicks in. You may be able to lower your premium if this is something that’s within reach for your budget!
Petplan has been around for more than 15 years and is one of the most popular pet health insurance companies in America. They provide coverage for dogs and cats, as well as birds, horses, reptiles and pigs.
The company offers pet insurance plans in the United States, Canada and the United Kingdom. They offer a variety of plans to meet your pet’s needs:
- Covers accidents and illnesses
- Provides lifetime coverage if you have continuous coverage with Petplan
- Has no breed or weight restrictions
Healthy Paws is a pet insurance company that offers plans for dogs, cats and other animals. The company offers coverage for accidents, illnesses and hereditary conditions. They have a 24/7 customer support hotline.
- Pet Assure is a pet insurance company in the United States. They were founded in 2010 and are based in California.
- Pet Assure provides pet insurance for dogs, cats and other pets. They offer a variety of coverage options that allow you to choose how much you want to spend on your pet’s care each month.
Pets Best offers a wide range of plans for all types of pets, including dogs and cats. They also cover exotic pets in some states like tortoises and rabbits!
Pets Best offers comprehensive coverage at an affordable price. Unlike other companies, they always include dental cleanings with their plans so that your dog can have its teeth cleaned regularly without paying extra fees every time it goes in for a checkup! The average annual cost per month ranges from $9-$14 depending on breed type but there are no set up fees so signing up is easy & fast (less than 5 minutes).
Trupanion is a pet insurance company founded in 2000 and based in Bellevue, Washington. Its goal is to provide affordable and accessible coverage for any pet that needs it, including dogs, cats, reptiles, birds and other exotic pets.
Trupanion offers several plans that cover accidents and illnesses like cancer and heartworm disease. The company also includes hereditary conditions like hip dysplasia within its policies—a rarity among insurers.
Embrace Pet Insurance
Embrace is a pet insurance company that offers coverage for dogs, cats and rabbits. Founded in 2010 and based in Portland, Oregon, Embrace is a subsidiary of Trupanion.
The company offers four types of coverage: Accident & Injury Protection; Accident Only; Wellness Plans; and Hospitalization Plans. Accident & Injury Protection covers accidents such as bites or falls that might happen while your pet is at the groomer or boarding facility. It also covers illnesses such as cancer or kidney disease if diagnosed following an accident. Accident Only covers any accidents that happen within 30 days after purchase but not illnesses or injuries from old age (as these would presumably have been discovered in an annual checkup). Wellness Plans are tailored to certain conditions like heartworm disease where preventative care can help avoid costly treatment later on down the road—they do not cover major surgeries though! Finally there’s Hospitalization Plans which cover routine procedures such as spay/neuter surgery so you don’t have to pay out-of-pocket costs when they happen every year at checkups with your vet!
At the end of the day, all we want is to keep our pets healthy and happy. Pet insurance can be an important tool in that process, but it’s up to you if it’s right for your pet and your family. We hope this article helped you decide whether or not pet insurance is worth investing in!