Have you been considering pet insurance for your pet?
We hope the following information helps you make an informed decision.
How does pet insurance work?
Like insurance for humans, deductibles, copayments, premiums, and coverage can vary widely between the different pet policies and companies. The biggest difference between pet insurance and human insurance: You typically have to pay your veterinary bill in full and wait for the insurance company to reimburse you, although, some pet insurance companies will now pay the veterinary hospital directly, which decreases your upfront out-of-pocket costs.
There are many pet insurance providers to choose from and we encourage you to research them to choose the provider that best meets the specific needs of you and your family. While pet insurance is growing in popularity, according to the North American Pet Health Insurance Association, about 85 million families in the US owned pets in 2015, but only 1.6 million of those pets were insured.
Recommended Pet Insurance
ASPCA Pet Insurance
ASPCA offers both injury and illness along with an add-on preventative care plan.
- Many choices of % coverage and deductible
- Preventive Care Option – limited coverage
- Annual deductible
- Covers Exam Fees
- Alternative and Behavioral Therapy Coverage
- 1st month discount – use code VETTRIAL30
Trupanion
Trupanion is an injury & illness insurance policy.
- Covers 90% of invoice, besides exam fee
- Does not cover preventative care
- Choice of any deductible
- Deductibles are per condition for life vs yearly
- Alternative and Behavioral Therapy Coverage
- No Lifetime Payout Limits
- Tailored riders for breeding and working pets
- Award-winning Customer Service
Nationwide
Nationwide offers both injury and illness along with offering whole pet policies.
- Whole Pet or Major Medical
- Whole Pet covers spay/neuter and most other preventative care, including flea and tick meds!
- 24/7 vet-helpline access
- $100 or $250 annual deductible
Healthy Paws
Healthy Paws pet insurance provides unlimited lifetime benefits (with no cap on claims).
- Covers 90% of invoice, besides exam fee
- Does not cover preventative care
- Choice of any deductible
- Annual Deductible
- No Lifetime Payout Limits
- Free mobile app
Figo
Figo is an injury & illness insurance policy.
- Covers up to 100% of invoices including exam fees
- Does not cover preventative care service
- Waives copays and deductible for lifesaving care
- Innovative cloud-based platform to manage your pet’s lifestyle.
