A pet is likely to be one of your favorite things about living. And, just like your family and friends, you would do everything you could to help them if they were sick.
It’s a shame, but vet bills can actually cost a lot! Owners of dogs can expect to spend up to $20,000 on vet bills over the course of their lives. Cat owners can expect to spend up to $10,000. A lot of people don’t have enough money for the treatments their pets need to live as long and healthy lives as possible, so they might not be able to pay for them.
Fortunately, pet insurance may be able to help. Some of the best pet insurance policies cover the costs of accidents and emergency care as well as illnesses and genetic problems that your pet may have. You may be able to get the money you need to pay for your pet’s medical care for a small monthly fee.
Top 5 Best Pet Insurance Providers in 2022
1. Pumpkin
Some insurance companies make it hard to figure out how much money you will get for vet expenses. Pumpkin, on the other hand, has very clear prices and policy options that take the guesswork out of finding the best pet insurance.
Pumpkin is a company that sells pet insurance for both cats and dogs. The company goes above and beyond to give a wide range of coverage options, important preventative care, and great customer service.
Pumpkin’s insurance pays for things like accidents, sickness, and recovery. Additionally, all of the following mishaps are covered by the company’s accident and sickness insurance for dogs and cats:
- Infections of the eyes and skin
- Infections of the lungs
- Urinary Tract Infections
- Cancer
- Diabetes
- Diagnosis and treatment of ingested items
- And more.
Viewing a sample policy on the Pumpkin website will help you learn more about the company’s benefits and exclusions.
Pumpkin is different from other pet insurance companies in that it pays 90% of the value of all pets covered by its policy. Some companies say they will pay up to 90% of vet bills, but in reality, they only pay about 70%. There is a difference though; with Pumpkin, you’ll know how much money you’ll get back for each payment.
Pumpkin’s plans are completely customizable, so you can change your coverage limits and deductibles to meet your own needs. You can get an annual coverage of $7,000 to infinity at a minor annual deductible rate of $100, $250 or $500.
As a result, Pumpkin does not have a maximum age limit or long waiting periods, which could limit your coverage. Because the business doesn’t want you to wait for months before filing your first claim, it only has you wait 14 days for all accidents and illnesses that are covered.
2. Spot Pet Insurance
Spot Pet Insurance is a simple insurance company that has a few low-cost options. The company has plans that cover cats and dogs, as well as plans that cover accidents and illnesses and plans that only cover accidents.
All of the following things are covered by the company’s accident and illness plan:
- Accidents
- Unexpected illnesses
- Hereditary Diseases
- Anxiety disorders that persist
- Therapies
- Behavioral difficulties
However, if your pet has a pre-existing condition, Spot Pet Insurance doesn’t cover it, and neither does any other pet insurance company.
There are plans for dogs that start at $17 a month. And, there are plans for cats that start at $11. There is a $5,000 annual limit on how much money you can pay for your pet’s care, and there is a $500 deductible that you have to pay first. However, if you fill out a short form on the Spot website, you can get a more detailed price quote.
You can add extra preventative care coverage to your pet insurance plan for a small fee if you want to pay for preventative care. Spot’s pet insurance options let you tailor your coverage to meet your specific needs. You can select from a wide variety of plans.
Coverage will start after you have waited 14 days. You can visit any licensed veterinarian, urgent care center or doctor. Fill out the claim form on the Spot website or on the Spot app to start. The company will then send you a direct deposit or a check for your money back.
3. ASPCA Pet Health Insurance
The ASPCA Pet Health Insurance Plan covers a wide range of procedures that your pet may need. This helps you pay for them. The company wants to make pet insurance easy to understand by using simple language and describing its coverage terms in a clear way.
ASPCA Pet Health Insurance insures both cats as well as dogs. Complete Coverage is the most popular plan offered by the company. It pays for exam fees and diagnostics and treatments, as well.
- Accidents
- Inherited disorders
- Diseases
- Behavioral Problems
With Complete Coverage, it’s easy to pay your vet bills. Make sure you pay your bill at the veterinarian’s office and file a claim with ASPCA Pet Health Insurance. You’ll get paid through direct deposit or mail. 90%, 80%, or 70% of your expenses will be paid for depending on your reimbursement plan.
4. Pets Best
Pets Best is a company that sells insurance for pets. They cover both cats and dogs. All of the following mishaps are covered by the company:
- Accidents
- Infections (diabetes, allergies, hereditary and congenital conditions, hip dysplasia, and more)
- Every-day upkeep (annual check-ups, vaccinations, etc.)
- Examination costs
- Medication on prescription
- Rehabilitation of the physical body
- Treatments such as acupuncture and chiropractic.
Meanwhile, the company’s plans exclude:
- Existing health issues
- Parasites
- Procedural choices
- Procedures to prevent illness or injury
- Medication foodstuffs
- Experimental and holistic treatments
Depending on your insurance plan, you can get accident and illness coverage or just accident-only coverage. Then, you can pay a fee to add a regular care plan to your insurance coverage. For cats, the accident-only plan costs $6 a month, and for dogs, it costs $9 a month.
5. Healthy Paws
Healthy Paws is one of the best pet insurance services out there. It gives pet owners full, unrestricted coverage. This company has been given the best customer rating by PetInsuranceQuotes.com since 2019.
Healthy Paws has a single, easy-to-understand pet insurance policy that eliminates all of the guesswork that comes with getting pet insurance. The insurance policy covers:
- Accidents
- Illnesses
- Injuries
- Cancer
- Inherited Diseases
- Chronic illnesses
- Emergency services
Meanwhile, the following are not included in the plan:
- Existing health issues
- Treatment as a means of preventing disease
- Procedural choices
- Examination costs.
Any problems your pet had before the start of your pet insurance plan are called pre-existing conditions. No insurance company will pay for these conditions.
As a Healthy Paws member, you may be reimbursed for up to 90% of the cost of your pet’s vet visit if the condition is covered by your plan. It takes Healthy Paws about two days to process most claims, which means you can get your money fast.
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