Just like medical insurance for humans, pet health insurance reimburses you on your medical bills when your dog or cat gets sick or injured. Having a pet insurance plan allows you to focus on getting the best care for your pet without worrying about the financial burden that can go along with it.
Pet medical insurance can help you afford the best possible treatment your baby deserves, protect against a major financial setback, and can give you peace of mind knowing you and your vet are doing all you can to make sure your precious one has the best care.
Simply put, pet medical insurance helps pay your vet bill just like health care for people pays your doctor bill. The absolute best solution that will help you as a pet owner be financially prepared for your dog or cat's unexpected veterinary care is to purchase medical insurance for them. There are all kinds of pet health care companies and plans out there. Some pet insurance companies make it so confusing—but it doesn't have to be.
Our goal here is to cut to the chase and look at the top of the line, best Pet Insurance providers who make it simple to understand what they cover, what they don"t cover, how it works, and how much it cost.
They don't make it easy and it's very time consuming to figure out each provider's policy coverages, the deductibles, percentages paid per claim, the policy exclusions, and minimum waiting times. We've broke it down to the top 3 pet insurance companies and listed them below.
Why do I need Pet Insurance?
Well why do you need health insurance for yourself?
All the same reasons go for your dog or cat. Plain and simple. Dogs and cats get sick and injured everyday, just like humans do. We all know stories about a dog who ate his toy or his owner's stinky socks. The stinky socks can work their way down and out or come back up the way they went down, but that's not always the case. From chewed up pieces of the garden hose, sticks, and rocks, to balls, Barbie dolls, and legos, you never know which one is going to be the one that's impossible to pass through the digestive tract on it's own and obstructions can be very deadly if not surgically removed. Some of those surgical removals can cost upwards of $4000. What about the cat who got diabetes or chronic renal failure, and the Yorkshire terrier who developed brain cancer. Oh, and what about those friendly off leash parks where a strange dogs attacks your peace loving best friend and you come home from the vet with drain tubes looking like Zella?
These stories always ends the same way: the veterinary bills are astronomical! One important piece to note, is that many times veterinary treatment doesn't just end when you leave the vet's office. There could be plenty of after care with heat packs, bandaging, physical and mental therapy, etc. These all come with a price tag, which is why so many people prefer to know the major portion of the cost of their pet's health care is taken care of by pet insurance, no matter what life has dished out at you and your best friend.
With all the medical advances in the world of veterinary medicine: CT Scans, MRIs, prosthetics, wheelchairs, overnight stays on IV, blood transfusions, chemotherapy, infrared treatments, and many more, the rising cost of veterinary care for all our pets is nothing to sneeze at!
So, are you still wondering why you need to get a quote for pet insurance for your beloved dog or cat? We don't think so.
Is Pet Insurance Worth It?
There are hundreds of illnesses that could affect your baby, and you never know when there is going to be some unforeseen accident, so better safe then sorry. If your dog or cat gets injured unexpectedly or falls ill, pet insurance can truly save you thousands of dollars. For as little as $25/month for dogs and $15/month for kitties, you can have peace of mind. Having pet medical insurance can help you feel comfortable and be able to say yes to life-saving medical treatments your loved one might need one day.
Zimba Loves his fun toys so much that sometimes he devours them, and these consumed toys can easily wind up costing upwards of $5,000 to have them surgically removed. With Healthy Paws Pet Insurance, Zimba can receive the best medical care available by visiting any licensed veterinarian, including emergency hospitals.
When Should I Get Pet Insurance?
How much risk do you want to take?
It's important to insure your pet when he or she is still healthy, because no pet insurance plan covers pre-existing conditions. Although there is Pet Assure which is not a pet insurance company, but a pet wellness plan that covers a small percentage of everything.
- There is typically a vet exam to enroll.
- As dangerous as it sounds, young animals explore the world with their mouths. This tends to lead to sometimes several vet trips for these youngsters as they often ingest foreign objects and toxic substances. Sometimes it takes x-rays and surgical removal, or months for the vet to reverse the symptoms even after stomach pumping, veterinary hospital stays, or IV drip.
- Young pets immune systems are not fully developed, so they have more delicate systems and skin, finer, softer hair, weaker bones and ligaments, and are more susceptible to viruses and bacterial infections than adult dogs and cats. This low immunity coupled with natural curiosity and of course no developed sense of danger, can make these little ones more accident prone, causing more vet appointments and additional vet bills.
Get a quote from the Best 3 Pet Insurance Companies for 2019 below:
Why Healthy Paws is Rated #1!
99% of claims processed in 2 days
Use any licensed vet
No caps on annual or lifetime payouts
Consistently #1 in customer satisfaction, A+ BBB
Annual deductible (recommended)
Comprehensive illness and accident coverage
15-day waiting period for accidents and illnesses
No restrictions on hereditary and congenital conditions
Easy online and mobile App usage
Alternative care included ~ Acupuncture ~ Chiropractic ~ Hydrotherapy
Covers up to 90% on unexpected costs
See any licensed veterinarian, emergency center or specialists
Two tiers of routine care coverage for spay/neuter/vaccines
Insures dogs and cats from 7 weeks old up to any age
Exam and wellness fees coverage
Reimbursed in 2-5 days on average
Unlimited annual & lifetime Benefit Plan
Hereditary and congenital conditions
Accident Only Coverage Plans available
Euthanasia for humane reasons
Prescription medication coverage
Frequently Asked Questions
Breed-specific and genetic conditions
Congenital and chronic conditions
Alternative therapies and rehabilitation
ER and specialist care
Hospitalization and surgery
Dental illness up to $1000 per yr. (not automatically included in NY & WA)
Healthy pet deductible reduces annual deductible automatically by $50
Frequently Asked Questions