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A Complete Guide to the Best Pet Insurance

Welcome to Best Pet Insurance, an fun and easy insurance research and shopping experience for everyone!

Don’t be confused by all the pet insurance lingo. Although there are many different pet insurance companies with different plans, the basic idea is the same across the board.  We’ve done our homework and compiled a list of specific questions with answers to help narrow down the choices.

Here are the Easy Steps:

Step 1. Take a look at Pet insurance 101 to understand exactly what you are looking for.

Step 2.  Compare pet insurance companies and their features.

Step 3. Compare dog or cat insurance to get a range of prices and coverage options.

Step 4. Get a FREE quote for the coverage that’s right for your pet.

 

Who Provides the Best Pet Insurance?

Want to jump straight to the reviews?

US PET INSURERS CANADA PET INSURERS

complete guide to the best pet insurance

Pet Insurance Factors

Fact 1: You Must Have Good Coverage.

What exactly does the policy cover? Coverage varies from company to company and is linked to the cost of the annual premium.  However coverage generally refers to the illnesses, accidents, and wellness care that the insurance company is prepared to pay on an annual basis. Make sure the plan you selected include the followings:

  • Coverage for cancer
  • Coverage for chronic disease
  • Continual coverage for chronic disease
  • Coverage for hereditary & congenital diseases
  • Coverage for diseases that are common to your pet’s breed

Fact 2: How does Pet Insurance Work?

1. Sign Up. Choose a plan that is right for you according to your condition.

2. Waiting Period. Your policy goes into effect after a certain time for accident and illness coverage.

3. Get Treatment. When your pet is ill or injured, have your veterinarian list a diagnosis on the claim form.

4. File Your Claim. Submit your claim online, via standard mail or fax to your insurance company.

5. Receive Payment. Receive reimbursement from the insurance company.

Veterinary pet insurance is known as indemnity insurance. You pay a monthly fee, between $10 and $50 per month. Then you cover the cost of care upfront, file a claim with the insurance company, and receive reimbursement for a portion of the costs within 30 days. Usually you need to pay a deductible first—$50 or more—and then a copayment, usually 10–50 percent. Some companies implement an annual limit for the policy, while others stipulate you can spend a certain amount across the policy’s lifetime.

When you sign up for pet insurance you will have a waiting period before coverage starts. The time frame may be different for accidents and illnesses, usually no more than a month. Pet insurance companies do this to ensure people don’t get coverage just to make a specific claim.

It’s just that simple. In reviewing different companies, look carefully at the list of exclusions. Some companies won’t cover pre-existing or hereditary conditions. Also, make sure the provider is licensed in your state so you won’t be left with unpaid bills if something happens to them.

Veterinary procedures can be prohibitively expensive, sometimes ranging into to thousands of dollars. Pet health insurance helps shoulder some of the burden. Once you narrow your search down to a few pet insurance providers you’ll want to compare them side-by-side to see which offers the most at the best value.

Learn everything you need to know before you buy!

pet insurance providers