Finding the best pet insurance is one way to make sure your pet gets the healthcare he needs. However, choosing between the different pet insurance companies can be a challenge. Some types of pet health insurance have yearly caps, take longer than others reimburse pet owners, or don’t cover certain medical conditions.
There are many great pet insurance policies that provide good, comprehensive coverage that will meet your pet’s future health and medical needs.
In this article, we will look at some of the best pet insurances on the market to ensure that any treatment provided by your local vet will be as stress-free as possible and not leave you out of pocket.
Figo
Figo pet insurance offers generous coverage and extra perks as part of their health insurance policy. One of the benefits of Figo it has short reimbursement times when compared to other pet insurance policies. Also, it offers shorter waiting periods that you only have to wait for 5 days for accidents and 14 days for illnesses.
One option that Figo offers pet owners is a mobile app that gives you 24hr access to your pet’s medical records. If you have to rush your pet to the clinic for emergency treatment, this can help the vet administer lifesaving treatment quicker and safer.
Figo is the only pet policy that waives exam fees, copays, and deductibles if your pet needs lifesaving treatment.
Trupanion
Turpanion is a choice for many pet owners thanks to the reputation for excellent standards of service. Trupanion has great healthcare coverage that benefits dog breeds that are prone to hip dysplasia.
The insurance coverage offered by Trupanion also has a great “lifetime” deductible. This means that you only pay a deductible once for each medical condition. So, there is no deductible to pay for follow-up care or repeated vet visits to treat the same condition.
However, there is a 30-day waiting period for illnesses and if your pet has multiple conditions that require veterinary treatment, you may have to may have to pay many deductibles in one year.
Healthy Paws
Another popular choice for pet healthcare is Healthy Paws. Healthy Paws has an unlimited reimbursement plan which is comforting if you have to make multiple visits to the vet clinic for treatment. Also, it only has a 15-day waiting period for injury and illness cover.
Healthy Paws is a great choice of pet insurance if you have a small cat or dog or breed that isn’t prone to hip dysplasia. This is because the insurance coverage doesn’t cover treatment for hip dysplasia on pets over 6 years of age. If your pet is less than 6 years old and needs hip dysplasia treatment, you have to expect a 12-month waiting period.
Pet’s Best
Pet’s Best pet insurance consistently receives great reviews from happy pet owners. There are no lifetime limits on any of their plans and they have a great option of emergency only pet care which offers health care for accidents for an affordable monthly cost.
Pet’s Best insurance plan also offers discounts if you insure more than one pet on the plan and claim payments are usually made within 5 days. As with other pet insurance plans, there is a 14-day waiting period for illnesses and routine treatment and a 3-day waiting period for accidents.
Because the best type of health insurance for your pet depends on its breed, age, and hereditary factors, you should contact your vet who can advise on what is the best pet insurance for you.