Petsurance is managed by American Pet Insurance Corporation, one of the best underwriters in the industry. Petsurance covers diagnostic tests, surgeries, medications, and hereditary disorders, and reimburses 90% of your actual bill.

You’ll receive payment within seven days of filing a claim, with a $20,000 lifetime cap. There are no limits per year, claim, illness, procedure, or condition.

Petsurance Review

Rating: 8

Our review process starts with calling each of the insurance providers over the telephone and then, we gather quotes for these three pet profiles:

• A 2-year old male Yorkshire Terrier named Jax
• A 6-year old male Cocker Spaniel named Max
• An 8-year old female mixed breed cat named Fluffy

First I listened to a pre-recorded message that prompted me to press 0 for general assistance. After ringing at least 8 times, a new recording picked up indicating I couldn’t leave a message. Next I called the general inquiries line. The message informed me the line was disconnected. I finally re-called the first number and pressed 1 for “question about a claim.” Bridget, the customer service representative who took my call, was somewhat abrupt and far less friendly than other pet insurance staff members who’ve assisted me. Through most of the call she seemed impatient and anxious to get off the phone.

THE PLANS/QUOTES

There is only one plan option that includes coverage accidents and illnesses, including diagnostic tests, surgeries, medications, hereditary disorders, congenital disorders, and chronic or recurring conditions. Routine care, veterinary exam fees, and pre-existing conditions are not included. You can choose your own per-condition deducible, starting at $0 and going up to $1,000 in $5 increments.

The 2-year old male Yorkshire Terrier: $40.83/month with no deducible, $19.80 with $1,000 deductible

The 6-year old male Cocker Spaniel: $52.41/month with no deductible, $23.72 with $1,000 deductible

The 8-year old female mixed breed: $33.78/month with no deductible, $15.42 with $1,000 deductible

DETAILS

Your quote depends on your area code and your pet’s breed. After your deductible, Petsurance reimburses 90% of the treatment cost for accidents and illness. You can expect to receive payment within 7 days after submitting your claim. There is a 5-day waiting period for accidents and a 30-day waiting period for illnesses. All policies have a lifetime limit of $20,000 with no limits per year, claim, illness, procedure or condition. Also, you don’t have to worry about your premiums increasing just because your pet gets older. Unlike other pet insurers, Petsurance covers hereditary and congenital disorders, but not pre-existing conditions. You can see any veterinarian in the US and Canada, and you can cancel at any time as long as you give two weeks notice in writing.

CONCLUSIONS

In deciding whether or not to choose Petsurance, I will consider the following pros and cons:

Pros:

• You can fit the plan within your budget by choosing a highly flexible deductible.
• At 90%, Petsurance covers more than other pet insurers.
• You can see any licensed vet in the US or Canada.
• There are no per incident caps or annual limits, or age-related increases.

Cons:

• Routine care and veterinary exams fees are not included.
• There are no plan options, which would allow more flexible coverage.
• Gauging from this experience alone, the customer service was not great. (Though I spoke to Paula when I called for more information, and she was a lot friendlier.)

If you’re interested in a Petsurance policy, call 866-715-6098.

Tags: Petsurance