Dog Insurance Companies for 2021
Taking care of your pet can be expensive, even if they don’t have any major medical issues. It may even seem more expensive than our own health care. Pet insurance has a lot of options to help alleviate that burden. It can help with accidents and illnesses, and some cover routine care. Plans are generally based on deductible, possible maximum limits, and monthly premiums. Most offer online or app access as well.
Deciding which insurance is best for your pet can be overwhelming, so we broke some down in this article. An insurance company you currently work with might offer pet insurance as well. One thing to keep in mind is that most plans will not cover pre-existing conditions, so do your research before you need it.
Healthy Paws
- Plans start at $15/month for cats and $20/month for dogs
- Any licensed veterinarian is covered
- Option to set your own deductible and reimbursement percentage
- Coverage includes prescriptions, surgeries, accidents, and emergency care
- Claims can be submitted through the app and most claims processed within 48 hours
On the downside, the company has a history of overcharging customers and not giving all discounts available. Also, some conditions require a waiting period of up to 12 months before they will be covered.
Embrace
- Plans start at $9/month for cats and $13/month for dogs
- Any licensed veterinarian is covered
- High coverage on dental care
- Add-on options include wellness exams, vaccines, grooming, and training
- GEICO customers may be eligible for bundling discounts
However, premiums are kept low by high deductibles, and annual benefits are capped at $15,000.
Figo
- Any licensed veterinarian is covered, along with 24/7 virtual care
- Simple coverage with just 3 plans
- Includes holistic care
- Some plans have no caps on coverage
- Easy-to-use app
As expected, cheaper plans have higher deductibles and limit coverage. Also, this provider may require an enrollment exam.
Pets Best
- Customizable plans to fit your needs and budget
- Discounts include multi-pet and military
- Options for add-on wellness coverage and no annual limits
- 24/7 vet helpline
- App and online access allow for easy submission of claims
On the other hand, prepare for rates to increase as your pet ages.
Petfirst
- Deductibles as low as $250
- Coverage begins the day after enrolling
- Coverage includes wellness visits and vaccinations
- Competitive wellness riders
- Add-ons for routine care
Maximum limits on accidents and illnesses unfortunately tend to be low, and preventative treatments have a specific limit.
Trupanion
- One simple policy
- Offers a vet direct payment software, where you only pay a deductible
- No maximum on payout limits
- Options include no deductible at a higher premium
- 24/7 customer service
If you’re looking for options to fit your specific needs, this plan may not be for you due to the higher monthly premiums.
24PetWatch
- Several plans with various deductibles and limits
- Covers various health issues
- Offers services for finding a lost pet
- Add-ons include wellness coverage
- Some plans over 24/7 access to recovery specialists and other perks
This company does require a veterinary exam for enrollment and a lower age limit for enrollment compared to other companies.
There are a slew of options when it comes to health coverage for our pets. Look at the pros and cons of various companies and policies before deciding on one. Find your perfect fit to ease your worries about your furry friend!