Pet insurance helps you pay for the cost of your pets' medical care, in particular if there are certain health conditions. Buying pet insurance can be a confusing process, and you should take your time to make sure you choose the best policy for your needs.
The amount you'll pay in monthly premiums depends on the type of coverage you get, how much your pet weighs, and where you live. You can compare quotes from various companies to get an idea of how much your premiums will be.
Figo is one of our favorite cat insurance companies. The company also provides low-deductible and copayment options to lower your out of pocket costs.
Figo also offers competitive waiting periods on accidents and illnesses. You will have to wait up to one year to file a claim if you already had a pre-existing illness.
Accident-Only Plan
A cheaper option, an accident-only plan covers vet bills for sudden accidents like lacerations, broken bones and torn ligaments. This plan covers exam fees and diagnostics.
Complete Coverage Plan
You can also get full coverage for a higher monthly cost. This includes the same benefits as an accident plan plus illness protection. This provides reimbursement for cancer, arthritis, heart disease, UTIs, and other common conditions.
ASPCA - This nonprofit offers pet insurance with affordable premiums and flexible terms. It also does not have an age limit for hereditary or congenital conditions. Pet insurance companies with the best vet networks are the most reliable. Your cat can receive the medical care it needs at the time of its need.
Healthy Paws: This top-rated cat insurance company specializes in providing pet owners with a comprehensive package that covers all of the major health issues and diseases your cat might develop, including chronic illness, emergency care, genetic and hereditary conditions, and alternative medicine.
This policy has one downside: it does not cover long-term non-emergency treatments. It is a significant drawback to many families because these types of treatment can be very expensive.
Trupanion Trupanion has a commitment to provide quality and extensive coverage for your pets, unlike other pet insurers. Its veterinarians directly submit claims to the insurance company, so you won't have any worries about sending them out to a third-party. It has no maximum annual amount and reimbursements will be based upon the local rates of veterinary services, not on averages.
The following benefits are also available:
This pet insurance provider also offers coverage for wellness and preventive health care. This coverage covers spaying, neutering, dental cleansings, and various vaccines. It also covers behavioral therapy for up $500 per year.
Pawp has an innovative digital center to manage your pet’s health. They also have a team dedicated of veterinarians that can help in emergency situations. It has a $3,000 Savings Account that you can access in the event your pet gets hurt or ill.