Pet Insurance Comparison

Healthypaws seems like the best fit for me. I have to watch my expenses and this plan seems to offer more for less. I liked that there were no annual limits on reimbursements. My dachshund Sammy is 4 years old, but I want to go ahead and get her on a plan before she gets older… I know that dachshunds can have some pretty bad issues with their spine.

Dang I can’t believe PetPremium’s cheapest plan is just over 9 bucks. That is insanely cheap! There’s no excuse for anyone not to have pet insurance! I’m still shopping around but I think Petplan is right for my cat Luci. She is a maine coone and I think she’s starting to show signs of thyroid dysfunction… heard it can get pretty darn costly for treatments. She is 5 years old. Has anyone else used Petplan before? I like that alternative therapies are covered with this one too.

Embrace is great. Reimbursed per vet bill and there are no annual limits. We have the comprehensive coverage for our English Mastiff, Henry. Mastiffs are at high risk for osteosarcoma (bone cancer) and lymphosarcoma. They also are at a high risk for gastrointestinal syndrome which causes extreme bloating which can lead to death very quickly.

Being able to compare pet insurance plans is so important. I have been researching insurance for my dog ever since we had an unexpected hospital visit last month. I appreciate the definitions of terms used by the insurance companies and the explanation of reimbursement levels. I feel like now I can make a decision that will best serve the individual needs of my dog, at a comfortable monthly price.

We recommend this website to all of our friends! My husband and I found the information so useful when making our decision to buy pet insurance, that we had to tell all of the pet parents we know. Our friend has four older dogs, and she was under the impression that no insurance plan would cover all of their needs. She went to this website and was so grateful to be proved wrong!

Prior to viewing this site, I had no idea there were so many options for insurance plans. This chart gave a great representation for each plan to truly analyze what would work best for me and my furry friends. I really appreciated the clear visual across the board and was very shocked to see Pet Premium at low at 9$! Not sure how skeptical to feel about that one. Does anyone have any thoughts or experience? Although they are on the higher price scale, Pets Best and Pet Plan seem to be good plans for me because they are not restricted for ages. It is useful because my dog is 8 years old so for a long time pet owner, they make choosing a plan more flexible. Still trying to decide what will fit best for me, but I am definitely bookmarking this page to refer back to. This is such a great resource for pet owners old and new!

My son wants a dog so we are looking at all of the expenses that go along with getting a new pet. What is very clear to me is that we will need to get pet insurance and all plans are not created equal. I had no idea of the broad spectrum of plans that are available. It will also help us get clear about the true costs of adding another member to our family, beyond just food, grooming and annual veterinarian bills. Having this information and also consulting a good vet will also help us make a decision about what types of dogs we should consider.

There are so many things that I didn’t think to consider, such as how congenial or hereditary conditions can affect a policy (what a company will cover and what they will not as well as how this may affect the cost of an insurance policy). I also mistakenly thought it would be great to get a policy with no annual deductible but the more I read, the more I realize that this (in and of itself) is not necessarily a good thing. I’ll have to think about what is the most reasonable for me, paying an annual or paying a “per-condition” deductible. My sister has a wellness feature included in her pet policy but I’m not sure if that is a must-have for my family. She has 2 cats and no kids, where I have 3 children and now we’re planning for a new puppy so my budgeting and expenses are a lot different from hers.

I also have to check the orgs that my husband and I belong to—to see if we can get some additional discounts and how those work. That is also another great tip that I hadn’t considered.There is so much great info here that I’ll keep it bookmarked for myself, my husband and the kids to use as we decide on which pet and policy are best for us.

We suggest this web page to all of our friends! My associate and I came across the important points so useful when making our option to buy policy your pet strategy, that we had to tell all of the pet parents we know. Our buddy has four mature creatures, and she was under the impact that no insurance plan policy strategy strategy would protected all of their needs. She went to this web page and was so thankful to see wrong!

I’ve been looking for a good insurance for my pet for a while, and then I stumbled upon this article. Such valuable information! Your article covers all the doubts and questions I had in my mind – mainly about the price vs usefulness thing. I’m a student, I can’t afford a high-priced insurance, but then I felt like I was stingy for my own pet. I have read many insurance plans from different companies and it just created a mess in my head. Now, thanks to your article, the whole insurance thing seems clearer to me. Indeed, I don’t plan that my pet has puppies, so I don’t need the pregnancy care plan. The Healthy Paws insurance plan seems decent, it covers necessary things, has high ratings from the customers and the price is affordable for me. I have to think about it for a while, but at least everything is clear to me now. Thank you so much for this article! It’s a great help for someone like me.

My last pet insurance policy had a per-condition deductible. I really did not enjoy that. I don’t think that it was the right insurance for my pet at the time. I had no idea of the different aspects to consider when choosing a policy. I was just happy to have insurance for my dog, but it ended costing a lot in the end. I eventually got rid of the policy because it was more economical to only take him when he needed routine and wellness care. I have a cat now, and I do want to get him insurance. From this list, Nationwide seems to be the perfect fit. I’m going to make sure I read the fine print before deciding this time. I want to make sure I choose the best option for me and my pet.

The “tricky true and false” basically summarizes why I’ve never bought pet insurance. It feels overwhelmingly complicated and as with all insurance, it’s hard to determine if the cost will be worth it. These charts are really helpful, though. I know what my biggest concerns are with my dog (a feisty pit bull), and this breaks down how I should go about shopping for a plan.

I imagine that any coverage is better than none, with premiums so low.

I love how detailed is this article because it really saved my time from making a research. I am owner of a very beautiful dog and I decided to get a pet insurance because sometimes all the costs that I have for my pet are really huge if you actually pay more attention to it.
I paid more attention to all the details in the article and I think it would be the best to get the insurance as soon as possible because sometimes my dog face some illness and injuries for which the bills are big. I want to go with a pet insurance which is reliable and with great services and yet not very costly. That’s exactly why I decided to go with PetPremium. Thanks for all the info guys!

This is fabulous , i have never heard of offering insurances affordable
policies and hinge to protect my pets like that

I signed up for Healthy Paws after reading reviews on this website. Because at first our puppy was healthy, but that all changed a few months in when our dog seemed to start getting sick with everything – from mange, a massive hot spot, to the absolute worst – ibuprofen toxicity (my dog will eat anything when I’m not looking). Healthy Paws covered ALL of the costs associated with his “unluckiness”, never making my decision about his medical care based solely on cost. I highly recommend Healthy Paws to friends and family members who have a pet. Their customer service is prompt and reliable. I hate to think what the outcome for my dog could have been had I not had their services. THANK YOU Healthy Paws & Petinsuranceu for ultimately saving my dog!

I am so glad I have found this site. I had a Rottweiler Doberman when I was younger and due to some unforseen reason our dog become really sick and we did not have pet insurance at this stage. This lead to my parents putting down my first dog in which I was devastated.

I didn’t realise just how expensive keeping a pets health up to scratch can be, if your dog gets sick. I have now realised it is even more expensive when you don’t have pet insurance. I would highly suggest to anyone to get pet insurance. If you are like me and your pet as family, you would want the very best for your pet.

I have now just moved into my new home and looking to get another Doberman, and this time I will be taking out pet insurance.

I didn’t know such site existed that did all the homework for me which has saved me a lot of time doing all the research myself.

This site and reading through everyone’s comments and reviews on here has made my decision very clear and I can’t wait to bring my new puppy home and know that we will be prepared this time around if our dog is to get sick again.

I agree with the others who have said that this site has made it really easy for them to look into pet insurance. It has given me a lot to think about, as well as look into all the extras I haven’t thought about before such as natural therapies which is something close to my heart. Thanks guys

Wow! I cant believe that there is so much customization to a pet insurance! I did not know that you can select the things you need coverage for and leave out the ones you dont, and that way you dont need to pay extra! I really like all the options and plans available and with many of them having 90 percent coverage and only 10 percent co-pay, now that is a real deal. I also like how you can have lower monthly payments in some plans that get cheaper if you enroll several pets and also if you are a member of AAA, theres discounts everywhere and who doesnt like that? I love it! I am still customizing and figuring out what to leave in and what to leave out, but I am sure that my customized pet insurance will be a great deal with lots of coverage. I am definitely letting all my friends know about this site! My pets are everything to me and I will make sure they get the right coverage!

Wow. Choosing pet insurance seems to be as complicated as choosing your own medical insurance! Fortunately, the article and chart help navigate what can be a confusing and overwhelming decision. My sister has pet insurance for her dog and it has saved her a considerable amount of money as the poor dog is not the healthiest of creatures. I’m not certain what plan she has, but I know she is very happy to have the insurance. Her dog is only 8 years old, but has torn ligaments in both of her hind legs, been bitten by a poisonous snake twice, had a pre-cancerous tumor removed, suffers from persistent skin allergies and arthritis, and just last month, broke her front paw and had to have a cast put on!
I think I’m safe in saying that pet insurance has been a godsend for my sister!

Earlier this year, my grandfather passed away, so I had to pack up the kids and wife and leave the country for a week to help take the family take care of business. When we returned, the kennel I left our family dog in dutifully informed us that our Great Dane was now going to cost us over $1500 extra to pick up. The reason? Someone had not cared for her properly after she ate, her stomach turned over and she required emergency surgery to remain alive. When asked why this was done without my permission, the kennel’s workers said they were afraid of calling with the news and upsetting my family further, although there was no provision in the contract for such an act. So now I was down well over $1500 and counting for surgery, vet visits, medicine, etc. through no fault of my own.

Needless to say, that’s why I’m looking into pet insurance now. I had no idea pet insurance even existed until a family friend explained the concept to me. He told me that it was as important to shop around for this as it is for car or health insurance, so that’s what I’m doing now. Anyway, thanks for the great information, I’ll be returning soon.

The most compelling points that I notice are that pet insurance can be low as ten dollars a month that is cheaper than the average price of food. This is such a great plan because the vet bills can get very high without coverage for the animals that we love. There policy plans cover everything from age, type and even different breeds the choices are endless. It has a breakdown of all of the important factors such as reimbursement levels, deductible information and also what type of coverage and the level. The plan can cost many hereditary conditions and even the medicine can be covered as well along with any supplements that are necessary as well. Anything you can think of these different plans with coverage that. The most important pet terms that you need to know are annual limits, benefit schedule, co pay, congenital conditions, deductible, exclusions, hereditary conditions, incidents, lifetime limits, rider, pre-existing conditions, and lastly the waiting period. Those terms will have a break down of the most important parts of pet insurance as a quick reference glossory. This plan has worked great for a freind of mine that has many different animals on his ranch.

This site has made choosing a pet insurance a simple task! I love how the site breaks down all of the “jargon” and puts it into simple terms that I can understand. I feel like I have an upper hand when it comes to negotiating since I have a good understanding of the lingo and terms they have in place.

I have two four-legged family members and it was a great tip to know that most pet insurance companies offer a discount for multiple pets. My premium is a small price to pay compared to one of my pups becoming ill and not being able to afford treatment.

Using this site has enabled me to choose a plan that covers my vet’s checkup fees and gives me a manageable deductible for emergency services. Without knowing what I know now, about pet health insurance, I probably would have continued risking my pet’s well-being.

I just found the cutest puppy and can’t wait to pick him up in a few weeks! It’s a requirement by my apartment complex to have pet insurance for any animals living in the building, so this has been an incredibly helpful resource! It’s great that I can compare a lot of different details that I wouldn’t have even thought about without the site, like alternative therapies! Since I’m getting a newborn, there’s no telling what issues we could run into in the future and this site has put my mind at easy when it comes to finding the right insurance fit for us!

I’m so glad I did my homework and found PetPremium because it puts me at ease in case I have an emergency with my little pup. I honestly didn’t know pet insurance was a thing until I got my Dora (an adorable little Shih Tzu) several months ago. Pet insurance was recommended to me from the store I got her from, but I thought that they were just trying to up-sell. I went home and did some research and honestly, the pet quotes I seen came from PetPremium. I found a plan that completely fit my budget which is pretty tight right now. I remember my aunt had to pay $600 out of pocket for her Chow’s leg surgery. She loved her dog very much but it was an expense she never quite planned on so it put a dent in her budget that month. I feel more protected knowing I found the right insurance for Dora because she’s a small dog who gets into everything and you just never know when you have to shoot to the vet.

Last year one of my dogs got into the trashcan and ate a diaper when I wasn’t home. She stopped eating a day later and became very ill. I had no idea what was wrong with her. She ended up needing surgery to remove the diaper from her intestines. The cost was several thousand dollars. That was money I had to put on a credit card because I just do not have that kind of extra money sitting around for vet expenses. The first question my vet asked me was “do you have pet insurance?” Of course I did not. He suggested that I consider it in the future. I thought about it but did not act. Six months later my dog tore her ACL running through the pasture. I wish I had seriously considered insurance. I could not afford the surgery this time so she has a limp now. She isn’t in pain, but the injury did not heal correctly on its own. Pet insurance is worth its weight in gold. It is almost guaranteed that within a dog’s life, he or she will have some sort of unexpected vet bill.

Pet insurance is not only a way to show people how much you love your furbaby, but makes you look “oh so smart”. And if your like I am, search this site it is very detailed, explains things about the insurance in a considerable and respectful way. I was sold after reading all of PetPremium has so much for little money, and truth be told my 13 year old black cat Salem is like my child and her sister a 2 year old mini pincher Annabelle, they play all around my house and accidents do happen. PetPremium is ABSOLUTELY THE BEST WITH FRIENDLY AND INFORMATIONAL PEOPLE….I recommend PetPremium to everyone including the local dog park pet parents. Great work PetPremium!!!!

This chart on pet insurance is incredible. It covers all the complex details associated with pet health care costs for a variety of plans. It was instrumental in my ability to locate just the plan I can afford with the coverage I feel is adequate to cover my fur babies. Vet bills are so expensive. My friend Jade’s Doberman Pincher swallowed one of her toys she had chewed on. It was terrifying for Jade. Dobie had to be transferred to a University that has a Veterinarian Hospital halfway across the state. In the end to save her poor baby Jade had to get a loan to pay the expenses. That is why I decided to get pet insurance. For my piece of mind I chose a plan with Pet Plan. I was able to get a plan that will assure my fur babies are covered but I will not go into debt.

I always thought pet insurance to be one of those things I’d never end up using so I never truly took the time to compare the options. Well, it was easy to say that when it was the family dog and my parents had the income to take care of the incidents (like when ol’ Smokey was hit by a car and needed a cast for his hind legs). Fast forward to when I finally got a dog of my own. Months went by and a persistent cough came about. Hundreds of dollars later it turns out to be a fungal infection vs bacterial (which I hear is hard to differentiate). The cost of the vet bills really did a damage but I wasn’t going to give up because I love my dog. It’s great to find information like this which explains it in easy-to-understand details. Now when I see my parents, grandparents, and friends aging dogs I’m able to bring up the options. I highly recommend digging into the comparisons and finding something that fits your budget vs getting blind-sided from a high vet bill from those unfortunate accidents or sneaky hereditary issues.

We recommend this website to all of our friends! My husband and I found the information so useful when making our decision to buy pet insurance, that we had to tell all of the pet parents we know. Our friend has four older dogs, and she was under the impression that no insurance plan would cover all of their needs. She went to this website and was so grateful to be proved wrong.

Last month I bought a female-black miniature Schnauer, who was born on 5th
July, 2016. While I was all aware what to do if she ever gets sick, or have any
medical emergency, yet I wanted to have her insured by one such pet insurance company
that has good health insurance planes, but with average cost of treatment.

Initially I asked all my friends who had their pets or kittens insured, but their health plans
were not as good as I was looking for. Just then one of my friends who just had
his Bernese mountain dog insured, suggested me to give it a go to Embrace Pet
Insurance.

Though I had heard a lot about this pet insurance company, I never had a chance to use
its pet health insurance service. But when I googled about it, and read its really
amazing health plans for pets, I couldn’t help embracing Embrace Pet Insurance.

O my god, they’ve awesome plans, with great customer service, great wellness coverage,
especially the ‘One Simple Plan,’ which covers everything from existing cancer
treatments to surgery for swallowed objects. The forte of this plan is that you
can set your own deductibles and reimbursement levels on the basis of the
coverage your pet requires.

Truly, there are several other companies their low-cost wellness coverage plans, but
when it comes to Perfect health insurance company, Embrace is always there to
help you when your baby is sick, or have any medical emergency.

I am so glad I found this article! Figuring out insurance for humans is hard enough. I have had such a difficult time finding out how to protect my bank account should something happen to my furbabies! This article laid everything out so nicely, I feel like I can make a truly educated decision.

Great article. I was getting ready to sign up with Embrace and did not know about losing coverage for older dogs. I just signed up with Petsplan and spoke with a guy named Richard that was very helpful. I also just dropped my very expensive VPI insurance. VPI does a great job marketing to large companies which is how I signed up. Shame on me for not doing more research on looking at VPI on the front end.

my insurer actually isnt on here which is a worry haha i was actually considering changing to something without an upper age limit for the unrestricted plans because my poor cat Magic is getting older and older.. the chart was very helpful thank you.

Healthy Paws definitely looks like the best option for me. I just adopted a chihuahua, Lubo, and I’m not exactly sure how old he is. When I got him, the owners said they thought he was around 10, but based off of how energetic he is, I’m thinking he’s a lot younger. The thing is, he really likes to jump off of my bed and the couch, and I don’t think his little legs can take it! When he first got here, he jumped of the couch, and he was limping for the rest of the day. I felt so bad, and I don’t want him to hurt himself anymore. I will feel better knowing I have pet insurance, especially one that offers so much for so little! Thank you for this article and chart, it was extremely helpful!

Hello, thank you for your guide, it’s very clear.
I followed it and now I have everything ready, I got this site from my pals since I clearly can’t do this by myself, I depend on guides. So if a guide tells me that this is the thing, I have to try that. As mentioned, I have tried every guide but this will be the best because it is very explanatory. Such a great work you’ve have done in putting this together. Cheers

Wow I didn’t know there was so much in choosing a pet insurance plan. Are there any sites where I can choose the level of coverage that’s most important for my pet? There should definitely be one. Like a trivago for pet insurance. Your comparison chart at the top is an awesome start for new owners like me.

I also love how detailed this article is. Many people just go for the cheapest option without understanding what they are getting into. What are the top pet insurance companies and why are they better than any others? What are some of the worst and why we should avoid them? Knowing some of that key pet insurance lingo helps to understand what our pets needs are and why. My friend just got a cat and is taking forever getting the poor thing pet insurance. She knows it’s important to shop around and to look for discounts but has no idea what any of the lingo means or what the cat needs. This makes it hard to do comparisons. We also saw all those myths stated on other sites and comments on other blogs as being true. So many people with contradicting information! Your article definitely bust all my myths. For example I definitely thought the higher the reimbursement the better. I like that your article explains everything out. I’m definitely going to send her this article. Thanks!
P.S. How do you pick your insurance based on age trajectory? For example, you know your kitten is going to get older and her needs are going to change. How do you choose a plan knowing this when you aren’t sure of what she will need later on? I think this is the toughest part for me.

It´s very tricky to find the right health insurance for my dog. Your comparisons and explanations helped me a lot to be able to make the right choice!

I got my new kitten Fifi about two weeks ago and have been wading through site after site of confusing information about pet insurance. Thank God I came across your site. Not only are the insurance companies given ratings according to what they offer, but there is loads of information on how to decipher the fine print which I think is often written in a confusing way on purpose.

So far Healthy Paws is looking to be the best choice for Fifi, but I will follow up with an inquiry on the coverage for shots, spaying and regular checkups.

Can someone please give a real life example to illustrate how, “One plan applies your reimbursements before the deductible which makes your out-of-pocket expenses higher than the other plan that applies your reimbursements after the deductible.”?