Pet Insurance

Below you will see a range of pet insurance policies. A pet is an important part of many people's lives in America, but paying for it can become expensive especially when hospitalization or other medical care is required. Pet insurance can lower these costs. Use the chart below to look at the most important features of different pet insurance policies. For more information, click the Detail Information link to be taken to the detailed page on each pet insurance product. Take your time and once you have found your pet insurance policy, just click on the More Info button.

If you wish to speak to someone: Contact Us or Enquiry Line: +1 212 796 5747

COMPANYPOLICY

POLICY

Health insurance policy

COST

COST

Cost of policy

DEDUCTABLE

DEDUCTABLE

What is deductable from policy

COVER

COVER

Details of cover available

UNDERWRITER

UNDERWRITER

Insurance underwriter

METHODS

METHODS

Method of application

PAY MONTHLY

PAY MONTHLY

Monthly payments acceptable

PET INFO

PET INFO

Pets covered

RESTRICTIONS

RESTRICTIONS

Restrictions for applicant

MORE INFO

Pets Best Insurance
Pets Best Insurance

Pets Best InsuranceFrom $16.00$100 - $500Type

Cover Type

Illness, Accident And Injury Plans


Level

Cover Level

Basic - Premier


Detail

Cover Detail

All plans reimburse 80% of your vet bill for treatment related to illness, accident and injury, after deductible:
Emergency visits
Hospitalization
Specialist care 
Surgeries
Outpatient care
Prescription medications 
Cancer Treatments
MRI, CAT and X-ray
Acupuncture (limited) 
Medication injections
Lab tests
Chiropractic (limited) 

Ask on applicationOnlineYesDogs and CatsRestrictions

Restrictions

REstrictions apply see website for details.

Pets Best Insurance
Pets best pet insurance plans are designed to help cover the cost of treatment for unexpected illnesses, accidents and injuries that happen to your pet after you buy your pet insurance policy. Pets best pays 80% of the bill after the deductible and covers treatment for literally thousands of illnesses and injuries. Starting at less than $1 per day, their plans have no upper age limits and they don't reduce or cancel coverage because of your pet’s age. What’s more, they offer discounts in most states when you enroll multiple pets. DETAIL INFORMATION >>Services

Services

Simple, fast claims processing


Advantages

Advantages

1. Complete coverage — illness and accident
2. Simple, fast claims processing
3. Policies starting at $16 month
4. Straight 80% Reimbursement After Deductible
5. Choose Any Licensed Vet, Anywhere
6. Simple, Fast Claims Process
7. No Annual Limits or Age Restrictions


Disadvantages

Disadvantages

1. Pets Best Insurance plans have some exclusions in order to keep premiums affordable.
2. Even if your pet had no signs or symptoms and wasn’t diagnosed, some conditions can still be considered pre-existing.

trupanion
trupanion

trupanionFrom $18 p.m.Choice of no deductible or any amount between $50 - $1,000Type

Cover Type

Dog and Cat Insurance


Level

Cover Level

1 level


Detail

Cover Detail

1. Trupanion covers 90% of the actual costs of veterinary care should your pet become sick or injured.
2. No limits: With your policy, you will have unlimited coverage for your pet with no limits per claim, per year, or over the life of your pet
3. Lifetime deductible: You have the option of adding a deductible to your policy which may be changed at any time
4. Optional benefits package: Trupanion's optional benefits package is available to pets of all ages for an additional cost
5. Additional benefits package: Our additional benefits can be added to any policy at any time for an additional cost.

Ask on applicationOnline, telephoneYesdogs and catsRestrictions

Restrictions

1. You must own a cat or dog between 8 weeks and 14 years of age
2. You must be a U.S. or Canadian or Puerto Rican resident

trupanion
Pet health insurance will help you provide your puppy, kitten, dog or cat the best medical care possible. Trupanion is an affordable way to help protect your pet and yourself. They are dedicated to providing you with the best pet insurance plan possible in order to help easily and safely protect your pets. They will reimburse 90% of covered costs, with no hidden fees, no ‘reasonable costs’, and no payout limits. They are pet lovers, too, and they want to be the best they can be. They are available 24 hours a day, 7 days a week. DETAIL INFORMATION >>Services

Services

1. Optional benefits package: Trupanion's optional benefits package is available to pets of all ages for an additional cost. It includes coverage for hip dysplasia; acupuncture; physical therapy; hydrotherapy; behavioral modification, medications, training or therapy; and feline kidney transplants. Availability is subject to regulatory approval in your area.
2. Additional benefits package: Our additional benefits can be added to any policy at any time for an additional cost. Included in this package are coverage for advertising and reward costs if your pet becomes lost, boarding fees during pet owner hospitalization, trip cancellation costs if your pet needs urgent medical treatment, cremation or burial costs, and third party property damage.


Advantages

Advantages

1. Trupanion is dedicated to providing you with the best pet insurance plan possible in order to help easily and safely protect your pets. This is our promise to you.
2. We provide one simple plan that covers accidents, illnesses, diagnostic testing, surgeries, medications, and lab work. Your plan will be easy for both you and your veterinarian to use.
3. We offer fair premiums and never raise your pet insurance rates simply because your dog or cat has a birthday. Why would you be penalized for such a normal process?
4. We offer customizable deductibles so you can afford to insure your pet, no matter your budget.
5. We reimburse 90% of covered costs, with no hidden fees, no ‘reasonable costs’, and no payout limits.
6. We are pet lovers, too, and we want to be the best we can be. Let us know what you think! We are available 24 hours a day, 7 days a week.
7. We now cover working pets including service and therapy dogs; law enforcement dogs; search and rescue dogs; herding, hunting, and sled dogs; guard dogs; and breeding cats and dogs.


Disadvantages

Disadvantages

1. Trupanion's policy does not cover veterinary examination fees, pre-existing conditions, routine care, preventive care and diseases preventable by vaccines and prophylactic medications (for example, roundworms and fleas). Hip dysplasia and alternative therapies are also excluded from coverage unless Optional benefits package is purchased (see above). See Section 5 of our policy for more details
2. There are coverage limitations* for pets that have not been spayed or neutered prior to their first birthday, within 30 days of adoption, or within a time frame of their veterinarian's medical recommendation. Some examples of conditions not covered for pets in this category are testicular tumors, mammary tumors, and uterine and ovarian conditions. See our sample policy for full details.

Petplan
Petplan

Gold PlanDepedent on individual$50 - $2,000Type

Cover Type

Gold, Silver and bronze


Level

Cover Level

Elite


Detail

Cover Detail

1. Hospitalization - including emergency treatment
2. Diagnostic testing - such as MRIs, x-rays, endoscopy
3. Surgery - including cruciate ligament surgery and organ transplants but not spay/neuter
4. Cancer treatment - regardless of the type of cancer
5. Non-routine dental treatment - such as tooth extraction, root canal but not routine teeth cleaning
6. Prescription medications
7. Referral and specialist treatment
8. Alternative and complementary treatments - such as acupuncture, hydrotherapy or chiropractic treatment

Ask on applicationOnlineNoFrom six weeks oldRestrictions

Restrictions

See website for details

Petplan
Petplan pet insurance policies offer great value and flexibility without ever compromising coverage. Petplan Gold pet insurance plan offers a pet insurance policy which covers veterinary fees relating to any illness or injury including hospitalization, referrals and prescriptions. They will also pay for advertising and reward if your dog goes missing, boarding fees if your pet is hospitalized, diagnostic testing, surgery, referrals, prescription medications and alternative therapy. Their comprehensive and flexible plans fit any budget. DETAIL INFORMATION >>Services

Services

1. 5% online discount.
2. Exlcusive provider of The Humane Society of the United States
3. Customize your policy if you like, by adding coinsurance to lower your monthly premium. 4. Select a Deductible - this can lower your monthly premium too.


Advantages

Advantages

1. Hereditary conditions covered without dollar or time limits
2. Covered for Life
3. Treatment for alternative therapies
4. All Petplan policies come with an automatic
30-day money-back guarantee


Disadvantages

Disadvantages

1. To obtain fees and charges you must apply.
2. Exclusions apply to this policy. See website for details.

If you wish to speak to someone: Contact Us or Enquiry Line: +1 212 796 5747

Compare Pet Insurance

Pet Insurance helps to cover the cost of veterinary treatment in the event of your pet falling ill or being in an accident.

Why do you need to get Pet Insurance?

America is a nation of pet lovers. If your beloved pet becomes ill of has an accident veterinary bills can cost thousands of dollars. Even minor treatments can cost owners a considerable amount of money. Many pet owners have to decide between paying for the expensive treatments or, if they don’t have the money, having their pet put down.

What is Pet Insurance?

Pet insurance can help you avoid being presented with a very difficult decision should your animal need treatment which you cannot afford. It can give you the peace of mind that should your pet need medical attention it will get the care and treatment it needs. Whether is it routine check-ups, vaccinations or a more serious operation, without pet insurance you could struggle to pay for the bills. The main advantage of having pet insurance is that you do not have to compromise on your pet’s health because of your finances which can give you peace of mind.

What animals are covered?

Cats and dogs are the most commonly owned pets and are easily to get insurance for. You will be able to find insurance for both kittens and puppies and older animals however, some insurers may not animals over a certain age. You can get other insurance for less common animals including horses, birds and rabbits and there are also policies for more exotic pets including snakes.

Choosing a policy

When choosing a policy, remember that the amount you will pay depends on a range of variables including your pet’s age and its pedigree. You will find that the older your pet, the more expensive your policy will be because an older animal is more likely to incur injury or illness. your pet has a pre-existing medical condition such as cancer or arthritis you will struggle to find the insurance. Some policies also exclude treatment for hereditary conditions so make sure you check this in advance. When applying for a policy, be sure to disclose everything you can about your pet’s medical history. Use the table above to compare different pet insurance policies.

Pet Insurance - Latest News News and Charts

Does one have to insure pets?

26 March 2013
James Larkin

Every pet owner knows a how very quickly a pet can become a much-loved member of the family, and it goes without saying that one cares for it and ensures the best possible health care. This means, for example healthy food, enough space to run around – but it certainly means the right medical care.

READ ARTICLE

Protect Your Pet With Pet Insurance

25 September 2012 13:00
Which Way to Pay

For those of you that have a pet you will understand how cats and dogs alike have become part of the family. Therefore many pet owners want to give their pets their own health insurance coverage.

READ ARTICLE

Protect Your Pet With Pet Insurance

17 July 2012 12:00
Lucy Williams

The cost of having a pet in the US can be expensive especially if you are faced with veterinary bills which are rarely cheap. Making sure your pet is fed, sheltered and well looked after is a costly business; pet insurance can help you meet these costs.

READ ARTICLE

Get Your Pet Insured Today!

03 November 2011
Which Way to Pay

If you are a pet owner, you know how terrible it would be if your beloved animal needed an operation that you just couldn’t afford. This is why pet insurance is so important. Vet bills can reach tens of thousands of dollars should your pet be involved in an accident or fall ill.

READ ARTICLE

Do You Need Pet Insurance?

05 October 2011
Which Way to Pay

If you have a pet, then you know how expensive vet bills can be. Pet insurance is a must if you own a pet, as you don’t have to make a difficult decision should anything happen to your furry friend. Vet bills can reach thousands of dollars, so if your pet is in an accident you might not be able to afford a life-saving operation.

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