The Best Pet Insurance for Dog Owners
Health and safety are top priorities for pet parents everywhere, but is pet insurance worth it? The answer is yes; we all experience the rising veterinarian costs for medications and treatments, but having pet insurance can lower those pricey bills! Like human insurance policies, pet insurance is another safety net for future possibilities, like injury or illness, preventing them from breaking the bank. Use this article as a guide for picking the right company for you and your fur babies!
Spot
Key Features:
- Top-Rated for Cats & Dogs
- Two Options; Accident Only Plan, Accident & Illness Plan
- Preventable Plan – Optional Add-On
- User-friendly Website and App
Spot is a top-recommended pet insurance company due to its user-friendly website and flexible coverage plans! They also have an iPhone app for more detailed and convenient claim submissions. Their prices vary from monthly premiums of between $30-50 depending on your dog’s health factors.
Lemonade
Key Features:
- Offer Renters, Homeowners, Car, Pet, and Term Life plans
- User-friendly App and Website
- Quick Claim Reimbursements
- Four Wellness Plans: Basic, Preventative, Preventative+, Puppy Prevention Package
- Four Optional Add-ons: Extended Accident and Illness, Vet Visit Fees, Physical Therapy, End-of-Life and Remembrance
Pet parents are choosing to switch to Lemonade due to their low prices! Their plans range from $10-20 per month based on your pet’s health history; moreover, they use your premium as a flat fee and pay your claims back quickly, while leftover money is donated to several charities. You can lower your rate by bundling pet insurance with another one of their packages, like renters or auto.
Trupanion
Key Features:
- Reimburse Claims within five minutes
- No Payout Limits or Rising Rates for Mulitple Claims
- Covers breed-specific and congenital conditions
- Additional Add-On Coverage is available
While Trupanion does have higher premium rates, between $60-80, we recommend this company if your pet is likely to have chronic illness or injury. They make it super easy for pet parents to attend their appointment, the Vet hospital then submits your claim, and Trupanion will directly pay the Vet’s office. Unfortunately, this company does not cover Vet exam fees; however, they don’t cap your claims, so they’ll cover each condition.
Healthy Paws
Key Features:
- No Maximum Annual or Lifetime Claim Payouts
- User-friendly App and Website
- Only covers accidents and illnesses
While this insurance company protects your furry friend, they donate to their charity, the Healthy Paws Foundation, to help save homeless pets too! Healthy Paws has more limited coverage options, so their prices vary between $35-55.
Check out these related articles for more dog health tips!
The Best Dog Treats for Diabetic Dogs