By Mel Lee-Smith
Published: 09/04/2020, edited: 08/10/2021
Save on pet insurance for your pet
You don't have to choose between your pet and your wallet when it comes to expensive vet visits. Prepare ahead of time for unexpected vet bills by finding the pawfect pet insurance.
No one knows what the future has in store. Pet insurance for our dogs and cats can minimize the costs that often accompany unexpected illnesses and injuries.
It's virtually impossible to gauge the type of coverage your pet will need down the road, and with all the pet insurance providers and policy options, how can you know which best pet insurance is right for your dog or cat's needs?
Fortunately, we've analyzed some of the industry's most popular pet insurance providers and compiled a list of our top picks to make your decision a little easier.
Healthy Paws Plan
Healthy Paws is a top dog in terms of customer ratings, with a 9.8 average satisfaction rating on Consumer Affairs and a 4 out of 5 rating on the Better Business Bureau. Customers praise Healthy Paws for their responsiveness, quick processing times, and problem resolution measures. Another perk of Healthy Paws is that customers can submit claims directly on the app by taking a picture of their pet's veterinary paperwork.
So how does Healthy Paws rank among other similar plans? An independent study investigating the relationship between the cost and coverage of US pet insurance policies found that Healthy Paws paid more than other popular pet plans, including Trupanion and Embrace. When comparing the price quotes for a healthy 2-year-old dog, Healthy Paws’ monthly premium was half the cost of Trupanions premium for the same dog.
It's important to note that Healthy Paws requires a full check-up and current medical history report before enrollment or within 15 days of sign-up. Healthy Paws doesn't cover expenses related to pre-existing illness, preventative care, or hip dysplasia within the first year of coverage or in dogs who enrolled after age 6.
Trupanion's Base Plan
Trupanion won't pay out quite as much as Healthy Paws, but it's still a solid pet insurance plan for canines with hereditary conditions. Unlike most pet insurance providers, Trupanion will reimburse for genetic and congenital disease treatments as long as the vet makes a diagnosis after the coverage start date. The Trupanion states they'll pay out up to 90% of vet bills within the yearly limit, which is quite a lot compared to other plans in this price range.
Some people prefer Trupanion over other companies because they have a per-visit, sliding-scale deductible rather than a hefty yearly sum. While this can be convenient for some, the low deductible means a higher monthly premium, even for young dogs.
A downside to Trupanion is they don't offer any preventative care coverage whatsoever. Dogs who use their coverage mostly for wellness care might benefit more from a different company.
Embrace's Nose to Tail Plan
Embrace is an excellent choice for both emergency and routine pet care. This company's motto is "nose to tail coverage." Looking at the fine print, it seems that Embrace sticks by their slogan, as long it's a new condition needing treatment.
According to the website and reviews of verified customers, this plan will cover cancer treatments, behavioral therapy, prescriptions, diagnostics, dental care, and even wheelchairs and prosthetics for dogs with new mobility problems.
Embrace will also reimburse for some holistic treatments like acupuncture, laser therapy, and chiropractic work. The add-on wellness rewards program can help with expenses for wellness and maintenance care. Customers can choose between a $250, $450, or $650 allowance for things like flea preventatives, medicated shampoos, microchipping, and teeth cleaning.
Figo's Ultimate Plan
Figo offers complete dog care coverage for certain illnesses and has some of the lowest pricing on the market. These plans are completely customizable. Customers can select the coverage amount, reimbursement rate, and yearly deductible that best suits their budget.
Figo has optimized the insurance experience with a convenient app so customers can submit claims instantly and several outlets for customers to get in touch with their customer support team. Reimbursement is made easy with the Figo claim tracking tool and direct deposit so patrons can get their money faster than ever before.
While Figo is an excellent option for managing unexpected accidents and illnesses, it won't cover check-ups, vaccinations, or routine care. You can expect Figo to reimburse for surgery, cancer treatment, hospitalization, X-rays, scans, and orthopedics, as long as the problem developed after the coverage start date.
BestBenefit Plan by Pets Best
There are a few things that set Pets Best apart from other insurance providers. First, they offer a service called "Vet Direct Pay," where they will pay the vet directly at the time of service. While this is a super convenient option, this service is only available at veterinary clinics with the Vet Direct Pay software.
Secondly, Pets Best was started by veterinarians, so they know what pet parents are looking for in coverage, including routine care coverage. Pets Best also offers add-ons that reimburse for office visit fees resulting from illnesses and accidents.
Pets Best has a customer support line that customers can call any day or night if they have questions about their coverage or need to change their plan. Pet Best has a shorter waiting period than most other pet insurance companies. Accident coverage kicks in after 3 days, and illness coverage starts after 15.
While there aren't any age limits, Pets Best is known to deny or revert policies to accident-only coverage if a dog has too many pre-existing illnesses. If your pooch has multiple diagnoses, Pet Best might not be right for your woofer.Need veterinary advice now? Connect with an experienced veterinarian any time with our virtual chat feature!
Want to find the best pet insurance for your dog? Head over to our Wellness page and use our pet insurance comparison tool to find a plan that best matches your pet health care and wellness needs.