Categories: Pet Insurance

Best Pet Insurance Companies And Plan In USA

Best Pet Insurance Companies and Plans

What is pet insurance?

Pet insurance, also called pet health insurance, is designed to reimburse you for your pet’s unexpected and unforeseen veterinary expenses. 

  • Deductible. Pet health plans typically have a deductible, which is the amount you have to pay in vet bills before your pet insurance starts to pay.
  • Reimbursement. After reaching your deductible, your pet insurance company will reimburse you for a percentage of your eligible expenses, up to an annual maximum. Only a few pet insurance companies pay the vet directly.

What does pet insurance cover?

What pet insurance covers depends on the type of plan you buy. There are three main types of pet insurance plans.

  • Accident-only: Accident-only pet insurance plans tend to be the cheapest form of coverage. They cover the diagnosis and treatment of injuries resulting from accidents, such as lacerations, poisoning, car accidents and foreign body ingestion. These policies do not provide any coverage for illnesses or chronic conditions.
  • Accident and illness: The most popular form of pet insurance, accident and illness plans provide coverage for the diagnosis and treatment of injuries and illnesses. This coverage includes accident benefits plus coverage for illnesses such as cancer, digestive problems and infections.
  • Wellness: Wellness plans can often be added to an accident and illness plan, to provide some routine or preventative benefits. If you want the best pet insurance for preventative care, shop for pet insurance plans that offer an optional wellness plan add-on and compare what these plans cover.
Trupanion

BEST FOR REIMBURSEMENT AMOUNT

Average monthly cost for dogs

$60

Average monthly cost for cats

$85

Accident and illness plan

  • Deductible: $0.
  • Annual coverage limit: Unlimited.
  • Reimbursement percentage: Customizable up to 100%.

Optional riders

  • Recovery and complementary care: Pays for additional treatments like behavioral therapy, acupuncture and hydrotherapy.
  • Pet owner assistance: Reimburses you for expenses like advertisements and rewards for lost pets and burial or cremation expenses.
  • Breeding: Covers the cost of treatments related to conditions that develop from whelping (for dogs) or queening (for cats) if you breed your pet.
Pumpkin

BEST FOR PREVENTATIVE CARE

Average monthly cost for dogs

$60

Average monthly cost for cats

$62

Accident and illness plan

  • Deductible: $100, $250 or $500.
  • Annual coverage limit: $10,000, $20,000 or unlimited.
  • Reimbursement percentage: 90%.

Wellness plan

Pumpkin has wellness plans for dogs, cats, puppies and kittens called Preventative Essentials. The plan will reimburse you for routine care like vaccinations, fecal exams and wellness visits.

Discounts

If you need pet insurance for two dogs, you can get a 10% multi-pet discount when you insure two or more pets.

MetLife

BEST FOR DISCOUNTS AND PERKS

 

Average monthly cost for dogs

$51

Average monthly cost for cats

$32

Accident and illness plan

  • Deductible: $50, $100, $200 or $500.
  • Annual coverage limit: $2,000, $5,000 or $10,000.
  • Reimbursement percentage: 70%, 80% or 90%.

Wellness plan

MetLife’s Preventative Care add-on will reimburse you for a fixed amount of wellness expenses each year.

Discounts

  • Affinity group discounts.
  • Animal care discount.
  • Employer benefit discounts.
  • Healthcare workers discount.
  • Internet purchase discounts.
  • Military, veteran and first responder discounts.
Lemonade

BEST FOR FAST CLAIMS PROCESSING

 

Average monthly cost for dogs

$55

Average monthly cost for cats

$46

Accident and illness plan

  • Deductible: $100, $250 or $500.
  • Annual coverage limit: $5,000, $10,000, $20,000, $50,000 or $100,000.
  • Reimbursement percentage: 70%, 80% or 90%.

Wellness plan

Lemonade’s preventive care plan will cover vaccines, microchipping, spay or neuter surgery, two wellness visits, plus, flea, tick and heartworm preventives.

Optional riders

There are several add-ons available through Lemonade:

  • Vet visit fees.
  • Dental illness.
  • Physical therapy.
  • Behavioral conditions.
  • End-of-life and remembrance.

Discounts

  • 5% discount when insuring multiple pets.
  • 5% annual discount.
  • 10% discount if you bundle a pet insurance plan with home or renters insurance from Lemonade.
Figo

GREAT FOR 100% REIMBURSEMENT

 

Average monthly cost for dogs

$55

Average monthly cost for cats

$46

Accident and illness plan

  • Deductible: $100, $250, $500 or $750.
  • Annual coverage limit: $5,000, $10,000 or unlimited.
  • Reimbursement percentage: 70%, 80%, 90% or 100%.

Wellness plan

Figo offers a wellness plan that reimburses you for vaccines and routine care.

Optional riders

  • Veterinary exam fees: Provides coverage for exam fees related to the diagnosis and treatment of covered conditions.
  • Extra care: Covers pet-related expenses such as rewards for lost pets and vacation cancellations due to a pet’s illness.

Discounts

  • 5% multi-pet discount.
Spot

Average monthly cost for dogs

$59

Average monthly cost for cats

$65

Accident and illness plan

  • Deductible: $100, $250, $500, $750 or $1,000.
  • Annual coverage limit: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 or unlimited.
  • Reimbursement percentage: 70%, 80% or 90%.

Accident-only plan

  • Deductible: $100, $250, $500, $750 or $1,000.
  • Annual coverage limit: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 or unlimited.
  • Reimbursement percentage: 70%, 80% or 90%.

Wellness plans

Gold: Covers up to $250 per year of wellness expenses, including vaccinations and dental cleanings.
Platinum: Covers up to $450 per year of wellness expenses, including spaying or neutering and additional vaccines.

Discounts

  • 10% multi-pet discount when you enroll two or more pets.
  • $25 Amazon gift card when you enroll your pet (only available in some states).
Pets Best

BEST FOR DIRECT VET PAYMENTS

Average monthly cost for dogs

$50

Average monthly cost for cats

$27

Accident and illness plan

  • Deductible: $50, $100, $200, $250, $500 or $1,000.
  • Annual coverage limit: $5,000 or unlimited.
  • Reimbursement percentage: 70%, 80% or 90%.

Accident-only plan

  • Deductible: $250.
  • Annual coverage limits: $10,000.
  • Reimbursement percentage: 90%.

Wellness plans

  • EssentialWellness: Offers up to $305 in wellness coverage per year.
  • BestWellness: Offers up to $535 in coverage per year.

Discounts

  • Multi-pet discount.
  • Discount for qualifying veterinary staff.
Paw Protect

Average monthly cost for dogs

$58

Average monthly cost for cats

$46

Accident and illness plan

  • Deductible: $100, $250, $500, $750 or $1,000.
  • Annual coverage limit: $5,000, $8,000, $10,000, $15,000 or unlimited.
  • Reimbursement percentage: 70%, 80% or 90%.

Accident only plan

  • Deductible: $100.
  • Annual coverage limit: $5,000.
  • Reimbursement percentage: 90%.

Wellness plan

You can choose an allowance of $250 to $650 per year to reimburse you for eligible preventative care expenses, such as vaccinations, bloodwork and dental cleanings.

Discounts

  • 10% multi-pet discount.
  • 5% military discount for active service members and veterans.
Embrace

BEST FOR A DIMINISHING DEDUCTIBLE

Average monthly cost for dogs

$58

Average monthly cost for cats

$46

Accident and illness plan

  • Deductible: $100, $250, $500, $750 or $1,000.
  • Annual coverage limit: $5,000, $8,000, $10,000, $15,000 or unlimited.
  • Reimbursement percentage: 70%, 80% or 90%.

Accident only plan

  • Deductible: $100.
  • Annual coverage limit: $5,000.
  • Reimbursement percentage: 90%.

Wellness plan

You can choose an allowance of $250 to $650 per year to reimburse you for eligible preventative care expenses, such as vaccinations, bloodwork and dental cleanings.

Discounts

  • 10% multi-pet discount.
  • 5% military discount for active service members and veterans.
ManyPets

BEST FOR AFFORDABLE RATES

 

Average monthly cost for dogs

$36

Average monthly cost for cats

$31

Accident and illness plan

  • Deductibles: $500.
  • Annual coverage limit: Unlimited.
  • Reimbursement percentage: 70% or 80%.

Wellness plan

ManyPets offers health plans for pets with a wellness plan add-on. While not insurance, wellness plans reimburse you — up to an annual maximum — for routine or preventative veterinary expenses, such as vaccines or wellness exams.

Recent Posts

Related posts:

No related posts.

vetdrugs

Share
Published by
vetdrugs
1 year ago

Recent Posts

Top 5 Emergency Vet In Jacksonville, Florida

8 months ago

Top 5 Emergency Vet In Fort Worth, Texas

8 months ago

Top 5 Emergency Vet In Austin, Texas

8 months ago

Top 5 Emergency Vet In Dallas, Texas | 2024

8 months ago

Top 5 Emergency Vet In San Antonio, Texas | 2024

8 months ago

Top 5 Emergency Vet In Houston, Texas | 2024

8 months ago