Pet insurance
Get a free Pet insurance quote online!
Enter your ZIP code below to view quotes for the Cheapest Pet Insurance Rates.
How much does Pet insurance cost?
On average, dog owners could expect to pay between $20 to $50 per month for a comprehensive insurance plan. In comparison, cat owners could expect to pay between $10 to $30 per month.
However, these costs could be significantly higher for certain breeds or older pets and in some locations. Also, carefully review what each insurance plan covers and what it doesn’t to ensure it meets your pet’s needs.
The cost of pet insurance can change depending on several factors listed below.
The type of pet: Generally, insurance for dogs is more expensive than for cats, and insurance for exotic pets can be even more costly.
The breed: Some breeds have specific health issues that can make insurance more expensive.
The age: Younger pets are typically cheaper to insure than older ones.
Your location: Costs can vary widely depending on where you live.
The type of coverage: Comprehensive plans that cover accidents and illnesses are more expensive than accident-only plans or wellness plans that cover routine care.
The deductible and reimbursement level: A lower or higher reimbursement level will increase the premium.
These are the main factors that can affect your pet insurance cost.
Enter your ZIP code below to view quotes for the Cheapest Pet Insurance Rates.
What types of Pet insurance plans can you choose from?
Accident only Pet insurance
Coverage for when your pet is hurt
Pet owners know that accidents can happen to their furry friends at times. Whether it’s a broken bone or an ear infection, veterinary care can be expensive. That’s why pet insurance coverage is becoming increasingly popular among pet owners.
Accident Only - For when your pet is hurt, a plan from Insurance Navy offers affordable coverage for unexpected injuries. The Accident Only plan covers diagnostic tests and veterinary care related to the injury, such as X-rays, surgery, and hospitalization.
However, there are exclusions on pre-existing conditions and illnesses not related to the accident. Additionally, chiropractic care may be covered under certain circumstances. There is no upper age limit for pets enrolled in this plan, but there is a waiting period of 14 days before coverage begins.
Lifetime caps apply per incident rather than annually; therefore, multiple incidents will have separate lifetime caps for each condition or issue covered by the policyholder’s sample policy document.
It’s important to note that annual check-ups and routine vaccinations are not covered under this plan since they are considered preventive measures rather than treatment for an injury or illness caused by an accident.
Covered conditions include hip dysplasia (as long as it was not present before enrollment), diseases contracted due to accidental ingestion of foreign objects or toxic substances, and more.
Overall, if you’re looking for basic coverage that protects your pet in case of accidents without breaking the bank, then Accident Only - For when your pet is hurt could be a good option!
Essential Pet insurance
Coverage for when your pet is hurt or sick
Pet health insurance plans help pet owners pay for veterinary bills, including routine care, preventative care and emergency care.
The Essential plan has Accident & Illness coverage options for when your pet is hurt or sick. This level of coverage helps with the financial burden of unexpected vet bills. The Essential plan covers illness plans that cover unexpected accidents, illnesses and injuries after the policy’s effective date.
Also this plan covers accidents during your pet’s daily activities. Monthly premiums for this sample policy vary based on breed, age and deductible.
Veterinary bills can add up fast without Pet health insurance. With the Essential plan from Insurance Navy Pet Insurance you’ll have peace of mind knowing you’re covered if your furry friend gets sick or injured.
This level of coverage ensures you won’t have to choose between getting your pet the necessary health care and managing other household expenses.
In summary, the Essential - For when your pet is hurt or sick, the Insurance Navy Pet Insurance plan has Accident & Illness coverage options at an affordable monthly premium.
Focusing on covering veterinary expenses related to injuries and illness, including preventative care, this level of coverage ensures you’re prepared if anything happens to your beloved companion animal.
Ultimate Pet insurance
Unlimited coverage for when your pet is hurt or sick
The Ultimate plan might be a good option if you want comprehensive coverage for your pet’s unexpected illnesses or injuries. With unlimited coverage, you won’t have to worry about policy limits if your pet needs expensive treatment. This is especially helpful if your pet develops a chronic condition. Some conditions like respiratory infections or behavioral issues require ongoing care and are expensive.
The Ultimate plan includes coverage for physical therapy and emergency clinics. These can cover the cost of specialized veterinary care if your pet is injured or ill and needs a specialist. This plan has dental coverage to make sure your pet’s teeth are healthy.
The cost of Ultimate coverage may seem high at first. Think about the thousands of dollars in unexpected vet bills you can save.
So why wait? Protecting your furry friend with our Ultimate plan is a smart choice for any responsible pet owner. Give your animal companion the best care possible.
What are some Pet insurance coverages you can buy?
Pet insurance is a must-have for pet owners who want to protect their furry friends against unexpected accidents or illnesses. There are different types of pet insurance policies which cover both cats and dogs.
However, not all policies cover the same things and have different limits. When getting a pet insurance policy, remember that there may be age limits and maximum age limits on enrollment. Some insurers have waiting periods before covering certain health conditions or routine care services like preventative care. And some policies have annual or lifetime limits on benefits paid out.
Optional coverage can help you customize your policy based on your pet’s needs. For example, if you’re concerned about chronic or breed-specific conditions your pet may develop later in life, adding these optional coverages will give you peace of mind knowing treatment costs will be covered.
Plus, some insurers offer discounts on premiums when multiple pets are insured under one policy.Optional coverage
Exam Fee Coverage
When looking at pet insurance, you need to know what’s covered. One of the things to consider is exam fees. These can add up fast especially if your pet needs frequent check-ups or has a medical condition that requires monitoring.
Most pet insurance policies do cover exam fees but you need to read the fine print and know what’s covered. Some policies have a 14 day waiting period before exam fees are covered. Others only cover annual wellness exams and not other vet exams. Exam fee coverage is reimbursement for eligible expenses related to vet exams like office visit fees and diagnostic tests.
The coverage and reimbursement rate will vary depending on the policy you choose and the monthly rate you pay. Also note that there are standard exclusions for exam fee reimbursement. Make sure to review the list of exclusions before signing up for a policy.
Look into including exam fee coverage in your pet insurance policy. It can help pay some of the costs of routine medical expenses for your fur baby.
Know whats covered under your pet insurance plan and take advantage of add-ons like wellness coverage. This will make sure your pet gets the care they need without surprise vet bills.
Wellness Coverage Add-Ons
Alternative therapy is a great way to add on to traditional veterinary care for pets. Wellness Coverage Add-Ons can cover costs for acupuncture, chiropractic care, and other alternative therapies. These can help your pet manage pain or recover from an injury. This coverage benefits pets with chronic medical conditions like hip dysplasia or heart disease.
Congenital issues are common in many dog and cat breeds. These include genetic disorders that affect the heart, joints, eyes, or other organs.
Wellness Coverage Add-Ons can provide coverage for these conditions if they are diagnosed after you enroll in the policy. With this add-on, you wont be paying out-of-pocket expenses for expensive treatments like surgery or medication.
Behavioral therapy is another type of treatment that Wellness Coverage Add-Ons cover. Pets sometimes have anxiety or behavioral issues like aggression towards people or other animals. This coverage pays for sessions with a certified animal behaviorist. They will work with you and your pet to address problem behaviors.
How do Pet insurance claims work?
Regarding filing claims and receiving reimbursement from insurance companies, Prudent Pet understands how important it is to make things easy for their customers. They offer direct deposit options so that payments go directly into your bank account within 2-3 business days after processing claims.
Their underwriting review process typically takes less than 24 hours. This quick turnaround time makes quick access to coverage when you need it most.
In addition to covering congenital issues and alternative therapy treatments, Prudent Pet’s Wellness Coverage Add-Ons also cover dental cleanings up to $60; annual wellness exams; bite wounds; hospitalization due to accidents; law enforcement injuries (for working animals); and even installment fee reimbursements!
With all these add-ons included in their plans at affordable rates, getting comprehensive pet insurance is easier!
Covering your pet needs with Affordable pet insurance
Pet insurance plans come in all shapes and sizes, with customized coverage options to fit your pet’s needs. Some companies offer limited coverage options that may not cover all vet costs. In contrast, others have comprehensive accident and illness policies.
Think about monthly costs, deductibles and co-pays when shopping for a pet insurance plan. A standard pet insurance policy typically covers accidents like broken bones.
Look into a premium plan for more complete coverage of illnesses and chronic conditions. Premium plans usually include wellness care like check-ups and vaccinations.
Pet insurance discounts
Regarding pricing, some insurers offer discounts for annual pay or military personnel. Others provide pet discounts when insuring multiple pets under one policy.
Overall, Affordable pet insurance can help alleviate the financial burden of unexpected vet bills while providing peace of mind, knowing your furry friend is covered in case of an accident or illness.