Pet insurance policies are popular among pet parents because they may help them manage expenditures and prepare for unexpected veterinary emergencies. Although these insurance often has a minimal monthly cost, they can cover up to tens of thousands of dollars in unplanned medical bills—coverage that could be equivalent to a life-saving operation for your cat.
The finest pet insurance providers provide comprehensive accident and illness coverage, as well as adjustable premiums and deductibles, and they are upfront and honest about their policies and procedures. Aside from that, they provide discounts for insuring several pets, some preventative care coverage, and add-on riders that provide additional coverage.
Companies that provide pet insurance are listed below.
1. Odie Pet Insurance (Best Overall Choice)
Odie is a pet health insurance policy that you pay into monthly, just as you would your own renter’s or car insurance. If your pet suffers an unexpected illness or injury, we will reimburse you for up to 90% of the vet bill.
Coverage
All of Odie Pet Insurance plans includes:
• Accidents
• Illnesses
• Injuries
• Routine Care
• Cruciate Ligament Event
• Periodontal Disease
• Dental Fractures
• Emergency Care
• Surgery
• X-Rays, MRI, CT Scans
Benefits
- With up to 90% reimbursement plans available, you can say, “yes” to emergency treatments.
- Odie offers an automated payment plan, just set it and forget it.
- Receive an automatic 5% discount for every additional pet you enroll in an Illness & Injury policy.
Get Access To Extra Coverage
Get coverage for vet exams and office visits, checkups, and physicals; crippling after-hours fees for the emergency vet; many prescriptions and over-the-counter medications, supplements, and treatments; and rehabilitation, acupuncture, and chiropractic care.
–>> Check out their Accident Pet Plan – 25 cents per day <<–
2. PETS ASPCA
Animal welfare organizations such as the ASPCA provide coverage for dogs and cats, as well as a 10 percent multi-pet discount, making them the best alternative for families with several furry family members.
Coverage
The American Society of Pet Insurance (ASPCA) has partnered with Crum & Forster Insurance to provide pet insurance for dogs and cats. There are two types of policies presented: one that offers both accident and illness coverage and another that only covers accidents. After a 14-day waiting period, you can begin utilizing your coverage; however, preventative care coverage can be used the day after enrollment begins.
The following coverages are included in the ASPCA’s Complete Coverage policy:
• Accidents
• Illnesses
• Hereditary conditions that are passed on through families
• Dental diseases are a common occurrence.
• Psychological well-being
Accident-Only Coverage is coverage offered by the American SPCA that pays only for accident-related injuries and treatment, such as:
• Ligaments that have been torn
• Wounds caused by bites
• Fractures and sprains
• Objects that have been swallowed
• X-rays
• MRIs
• Ultrasounds
• Surgery
• Hospitalization
A preventative care coverage rider can also be added to each policy, allowing pet owners to receive reimbursement for vaccinations, dental cleanings, routine screenings, and other services.
Pricing
Insurers like the ASPCA charge different rates depending on the pet you have, your pet’s age, and the exact plan you choose. You may request a personalized quotation online for further information on how much coverage will cost for your pet. Insurance policies have deductibles ranging from $100 to $500, with coverage available up to $10,000. Each additional pet that you add to your policy after the first receives a 10 percent discount from the ASPCA, making it a good deal for homes with more than one pet.
Usage
Through the ASPCA, you may get treatment for all pets in your household in a concise amount of time. Simply make an appointment with any licensed veterinarian and keep a copy of the invoice.
3. Embrace
In the event of an injury, Embrace offers various policies that will cover your pet’s emergency veterinary hospital fees at any registered veterinarian facility. Accident benefits are available after just two days, which is significantly less time than most competitors. Coverage
Embrace offers two types of pet insurance policies: one that covers simple accidents and accidents and illnesses. You must wait two days before using your accident coverage benefits, and you must wait 14 days before you can use your illness coverage benefits.
Many treatments and services are included in the Accident and Illness pet insurance policy from Embrace, including veterinary care, hospitalization, and rehabilitation.
• Hospitalization
• Surgery
• Examinees’ fees
• Medical assistance in an emergency
• Conditions that are passed on through families
• Congenital conditions are those that occur at birth.
• Chronic conditions
• Cancer treatment is available.
• Behavioral treatment (also known as cognitive-behavioral therapy)
• Diagnostic tests and screenings
• Prescriptions
• Rehabilitation
A dog-specific pet insurance plan, Accident-Only Pet Insurance, is available through Embrace (and is uniquely known for those over 15). It takes care of the costs associated with:
• Objects that have been swallowed
• Automobile accidents
• Injuries
• Poisoning
• Cuts and lacerations are common.
• Prescription medications for diseases that are covered by the plan
Wellness Rewards for Routine Care is another rider offered by Embrace that helps pay for things like annual check-ups, vaccinations, prescription diet food, and microchipping.
Pricing
A year’s worth of pet insurance from Embrace costs as little as $72 per pet, and you can quickly get a customized price online depending on your pet’s age, breed, and the amount of coverage you require. When it comes to the accident and illness plan, the deductibles range from $200 to $500, whereas the accident-only project has a deductible of $100 every year.
The fact that Embrace offers a Healthy Pet Deductible reduction is one of its distinguishing features. If you do not submit an accident- or illness-related claim during your first year with Embrace, the company will reduce your deductible by $50 for each subsequent year. Various discounts are available, including a 10 percent multi-pet discount (a one-time discount for plans with two or more pets), a 5 percent military discount, and a 10 percent discount if you have coverage through your place of employment.
Usage
Pet insurance from Embrace allows you to take your dog or cat to any certified veterinarian office or animal hospital for treatment under the terms of your policy. Claims may be submitted online by logging into the MyEmbrace client site. In most cases, claims are processed within 10 to 15 business days if you offer them all of the required information at the time of submission. Keep in mind that you will have to wait 14 days before using your illness coverage and two days before using your accident policy.
4. GEICO Pet Insurance
A more significant number of pet insurance savings are available from GEICO than any other rival, including lower prices for paying in advance, enrolling multiple pets, and having your dog or cat spayed or neutered. Coverage
There is only one pet insurance policy available through GEICO, and it is underwritten by Embrace, another firm on this list that specializes solely in pet insurance. You will be capable to begin utilizing your insurance coverage 14 days after enrollment officially begins. Pet insurance policy from GEICO will reimburse up to $30,000 for the costs of treatments for the following conditions:
• Accidents
• Fractures and sprains
• Objects that have been swallowed
• Illnesses
• Problems with the teeth
• Cancer treatment is available.
Pricing
Pet insurance from GEICO starts at $68 a year, but you can request a quote online to determine how much it will cost for your particular pet to be covered. There are five different deductible options, with the highest deductible being $1,000 and the lowest being $200. A bigger deductible can help you lock in a lower monthly premium.
Pet owners can also take advantage of a number of savings provided by GEICO. There are discounts available for pets who have been spayed or neutered. A lower-cost can also be obtained by paying your complete annual payment in advance and registering more than one pet on your policy at the same time.
Usage
You can take your cat or dog to any registered veterinarian in the country because GEICO does not place any restrictions on where you can use your pet insurance coverage. You can also file claims openly through Embrace’s website if you choose. To use the veterinarian’s office coverage, you must wait 14 days after purchasing the policy. In addition, your pet must have visited a veterinarian within the last year to be eligible for enrollment.
5. FIGO
Figo is the most willing insurance company for pet parents who want to seek alternative treatments, such as acupuncture and chiropractic care, rather than traditional therapies.
Coverage
There are three different pet insurance policies available from Figo, each of which covers accidents and injuries. Coverage is provided in three tiers: Essential, Preferred, and Ultimate. Each level offers a different degree of annual coverage, which is as follows:
• The most important strategy is $5,000.
• The preferred plan is worth $10,000.
• The ultimate package includes an unlimited number of visits.
This coverage is included in Figo’s accidental injury pet insurance policy for the following treatments and services:
• Medical assistance in an emergency
• Hospitalization
• Diagnostic examinations
• Conditions that are passed on through families
• Congenital conditions are those that occur at birth.
• Chronic conditions
• Cancer treatment is available.
• Surgeries
• Acupuncture
• Chiropractic care is available.
• Psychological well-being
It is important to remember that Figo does not cover preventative health care programs, and there are no optional riders available. However, you can include coverage for exam fees associated with accident and injury visits in your policy for a few dollars more per month.
You can wait three days for an accident visit and fourteen days for an illness visit before you can take advantage of your coverage. In addition, some orthopedic problems may require a one-year waiting period before being treated.
Pricing
Pet insurance from Figo is started at $92 per year; however, we recommend that you acquire a personalized rate quote for your pet online to ensure the best possible rate. Tax deductions are available in the range of $100 to $750. The company’s website states that discounts are available but vary by location and are limited in percentage savings. Your best bet is to get in touch with customer support and inquire about the savings opportunities available in your neighborhood.
Usage
Because Figo has no network restrictions, you can take your pet to any registered veterinarian, clinic, or animal hospital and submit a claim for eligible treatments, which may include acupuncture and chiropractic care. Just consider that there is a three-day waiting period for an accident visit and a fourteen-day waiting period for an illness visit. You’ll have access to a virtual veterinarian 24 hours a day, seven days a week through the Figo Pet Cloud, in case you have any questions about your pet’s health in the meanwhile.
6. Hartville
No matter how old your pets are, Hartville will allow them to enroll in insurance with the company. Not only are senior dogs eligible for accident-alone coverage, but they are also eligible for illness and accident coverage.
Coverage
Pet insurance in Hartville is available for all dogs and cats, regardless of their age. Policies are underwritten by Crum & Forster Insurance, the same insurer that provides coverage for the American Society for the Prevention of Cruelty to Animals (ASPCA).
Hartville Insurance offers two different types of coverage. Accidents and diseases are covered under the Complete Coverage policy, which provides coverage for ailments such as:
• Conditions that are passed on through families
• Dental diseases are a common occurrence.
• Psychological well-being
• Cancer
• Hip dysplasia is a condition that affects the hip joint.
• Diabetes
• Disorders of the eyes
For a more affordable alternative, pet owners can purchase an Accident-Just Coverage plan, which pays only for accident-related injuries and treatment, such as:
• Examinees’ fees
• X-rays
• MRIs
• Ultrasounds
• Surgery
• Hospitalization
• Objects that have been swallowed
Additional preventive care coverage options are available through Hartville, including vaccinations and dental cleanings, covered under the Preventive Care Coverage Rider. In an accident or illness, you must wait 14 days before claiming benefits under your plan.
Pricing
You can quickly acquire an estimate online for your pet’s age, breed, and the quantity of coverage you desire. Pet insurance via Harville starts at $138 per year. You have the option of choosing a deductible between $100 and $500 and having the possibility of having limitless yearly coverage limits (with a minimum of $5,000). Insured pet owners can save up to 10% on their insurance premiums for each extra pet they insure.
Usage
Because Hartville does not operate with a specific network of providers, you can take your pet to any veterinarian anywhere in the country and use your insurance to pay for any covered services or treatments you receive. Just remember that there is a 14-day waiting period before you can use your coverage for either an accident or a sickness. Your pet’s visit will be documented in the Member Center, where you may submit a claim for reimbursement.
7. 24PetWatch
If your pet is suffering from a chronic condition, the $20,000 yearly maximum limit on 24PetWatch will be more than enough to cover the cost of treatment. Furthermore, after 24 months of no symptoms, most pre-existing diseases are no longer excluded from coverage.
Coverage
A total of four different pet insurance packages are available from 24PetWatch for cats and dogs. The sole difference between these policies is the amount of money that can be borrowed each year. The amount of coverage provided by each plan is as follows:
• The Extra Plan, which provides $3,000 in annual coverage.
• The Classic Plan provides $5,000 in coverage per year.
• The Superior Plan provides yearly coverage of $10,000.
• The Champion Plan, which provides coverage worth $20,000 per year.
Every plan from 24PetWatch includes coverage for accidents, diseases, and related treatments, including the following:
• Examinees’ fees
• Hospitalization
• Surgeries
• Physical therapy is another option.
• Laboratory examinations
• X-rays, ultrasonography, and other diagnostic procedures
• Medications
• Treatments that are not conventional
Furthermore, 24PetWatch will cover any additional charges up to $500 without the need for a deductible or coinsurance payment. The following are examples of further coverage:
• Boarding kennel expenses (where applicable).
• Cancellation of a trip
• Expenses for additional living space
• The cost of relocating a lost pet.
You can add a Wellness Coverage rider to any insurance for a few extra dollars per month, which can be added to any coverage. Regular and preventative treatment for your dog or cat, including annual exams, vaccinations, and dental care, are covered by this insurance policy. It is possible to begin utilizing your plan’s injury coverage two days after the policy goes into effect, but you must wait 14 days before starting using it for illness coverage.
Pricing
Pet insurance policies from 24PetWatch start at $340 per year, which is a reasonable price in this market. However, the actual price you’ll pay is determined by the yearly coverage limit you select, the deductible you pay, and the reimbursement percentage you choose for your policy, as well as the age and breed of your dog or cat. For most of the coverage, deductibles are available in the range of $100 to $1,000. On the company’s website, there are no promotions or discounts advertised.
Usage
Pet owners can use their 24PetWatch insurance policy at any vet clinic or animal hospital in the United States, regardless of where they live. The waiting period for accidents is two days, and the waiting period for sickness is fourteen days. It’s also important to know that a veterinarian must have evaluated your pet within the last 12 months in order to be eligible for insurance coverage.
8. Progressive Pet insurance
Progressive’s pet insurance premiums start at just $6 per month, and various discounts are available, so it is one of the most economical carriers on our list.
Coverage
Progressive provides pet insurance through Pets Best, one of the industry’s leading pet insurance suppliers. Four insurance plans cover accidents and illnesses, accidents only, routine care, and hospitalization costs. When it comes to accidents, you have a two-day waiting time and a fourteen-day waiting period for illnesses.
The accident and injury plan, which includes the following benefits, is the best benefit plan.
• Accidents
• Illnesses
• Examinees’ fees (optional)
• Cancer treatments are available.
• Conditions that are passed on through families
• Medical assistance in an emergency
• Surgery
• Aspects of one’s personality
• Euthanasia
• Prosthetics
The Accident-Only Plan provides coverage for treatment and medical services connected to accidents, such as those for the following:
• Fractures and sprains
• Bites
• Objects that have been swallowed
• Injuries to the eyes
Aside from preventative and regular care insurance, Progressive offers two through Pets Best: the EssentialWellness Plan and the BestWellness Plan. Despite the fact that these plans cover the same services and treatments, they have significantly different annual benefits. The EssentialWellness Plan provides benefits worth up to $305 per year, while the BestWellness Plan provides benefits worth up to $535 per year, depending on the plan chosen. The following is a brief list of the services that are covered by these plans:
• Brushing and flossing teeth
• The prevention of fleas and ticks
• Vaccines
• Physical examinations
• A blood test
• Microchipping
• Deworming
Pricing
Pet insurance with Pets Best is highly reasonable, and the majority of the pricing is listed on the company’s website. The following are the rates for the accident-only coverage:
• The cost of a cat’s accident-only insurance policy is $6 per month.
• Accident-only coverage for pets is available for $9 per month.
Even though the regular and preventative care plans are significantly more expensive, they do not need you to meet any deductibles. You will be required to pay the following amounts for both cats and dogs:
• EssentialWellness Plan: $16 per month (plus applicable taxes).
• BestWellness Plan: $26 per month (plus applicable taxes).
If you are involved in the BestBenefit Plan accident and injury insurance policy, you will need to get a personalized quote from Progressive Insurance through their website. The insurance cost is determined by the type of animal, the breed, the deductible, and the yearly coverage maximum. You have the option of selecting a deductible ranging from $50 to $1,000.
In addition, Progressive Insurance offers a variety of pet insurance savings. You can save up to 5 percent on BestBenefit insurance, and you can save an additional 5 percent if you insure more than one pet in your household.
Usage
You can take your cat or dog to any registered veterinarian in the country if you have Progressive pet insurance. The procedure of filing a claim online is straightforward; however, bear in mind that you will be interacting with Pets Best directly. Like most pet insurance carriers, Progressive has a two-day waiting period for accident coverage and a 14-day waiting period for illness coverage.
