Once upon a time, if your beloved dog or cat needed costly veterinary care, you had to pay for it out of your own pocket. Often, that meant pets going without the medical treatment they needed, or even being euthanized because their owners just couldn’t afford to pay but didn’t want their pet to suffer. Today, pet insurance makes getting life-saving treatments for your pet more affordable. And, what started as a rather niche offering has quickly grown into a robust set of options. In fact, it can be a little daunting to determine which is the best pet insurance for you. We’re here to shed some light on the situation. Below, we’ll explore 2020 best pet insurance reviews for dogs and cats.
Pet Assure Pet Insurance
Highly rated by many different authorities, Pet Assure is one of the best pet insurance options out there, particularly for owners who want to save money on veterinary treatments. The plan offers coverage for cats and dogs, but also many other types of pets. You will also find no exclusions when it comes to veterinary services and there are no annual limits here. The plan offers a 25% discount on services, but in order to be eligible, you must work with an in-plan vet.
Not all veterinary clinics are part of the network, so you will need to check if yours is or if there is one near you that is. You also get to choose from four different plans – single cat, single dog, family, and unlimited. Note that the family plan covers two to four pets. If you have more than that, you’ll need the unlimited option. Also, note that this is technically a veterinary discount plan, not technically an insurance policy.
Figo Pet Insurance
Figo is highly-rated as a full insurance policy for cats and dogs. It is also one of the best-rated for access to life-saving care, which is usually the most expensive type. With this policy, you are free to choose any vet you might want. There is no network to worry about. However, you cannot see a vet for three days after enrolling for pet-related accidents, or for 14 days for illnesses. For knee problems, you will need to wait a full six months before the insurance kicks in.
In terms of plans, you can choose from three different options. The Essential plan is limited to $10,000. The Preferred plan has a limit of $14,000. Finally, the Ultimate plan has no upper limit, which may make this a good option for pets with serious illnesses, or those that require significant surgeries.
Healthy Paws Pet Insurance
Another leader in the pet insurance industry is Health Paws, which is an excellent option for full lifetime care for your dog or cat. You will find a variety of coverage types on offer designed to help you cover the costs of care for your pet. These include illnesses and accidents, as well as cancer, specialty care, surgery and hospitalization, alternative care, bloodwork, and much more.
When it comes to plans, Healthy Paws only has one option – the Unlimited Lifetime plan. As the name suggests, there is no upper limit to coverage, and it’s good from infancy to senior ages. Once you have paid your deductible, you have full access to the benefits (you’ll set the deductible during the setup process). Like Figo, you can also go to any vet that you want in the US, as there is no network in place.
With that being said, there are a few things that are not covered by this insurance. It does not cover preexisting conditions. It also does not cover paying/neutering, or anything that is considered “preventative care”, so this will not help reduce your regular vet bill for things like vaccinations. Other exclusions include dental care, anal gland expression, control of parasites (does not pay for flea/tick medication or other parasite-related meds), and cruciate ligament problems.
ASPCA Pet Insurance
Offered by the ASPCA (American Society for the Prevention of Cruelty to Animals), this pet insurance is on par with anything else on the market. You can choose complete insurance coverage if you like, or purchase just accident coverage. Unlike some other pet insurance options on the market, you will find that it does cover some preventative care services and you get a 10% discount on your policy when you enroll more than one pet.
Like several other options we’ve discussed, ASPCA Pet Health Insurance does not limit your choices when it comes to veterinarians. You can choose any vet, including specialists. There’s a 30-day money-back guarantee on offer that helps ensure you’re able to try before you buy, too. If you want even more coverage, you can choose the optional Basic or Prime preventative care packages.
Embrace Pet Insurance
Embrace Pet Insurance for dogs and cats is designed to help make paying for pet care more affordable in a variety of ways. This insurance program offers a diminishing deductible feature, as well as wellness rewards that help you save on your bill for having routine care performed. Unlike most other insurance companies, Embrace also distinguishes between curable and incurable preexisting conditions and will cover curable conditions after your pet has been enrolled for 12 months and is treatment free.
In addition, you will find that Embrace covers all illnesses and injuries, breed-specific conditions, and even cancer and chronic conditions. Cruciate ligament injuries, which are often not covered by other insurers, are covered here.
There you have them – 2020’s best pet insurance reviews for dogs and cats. Each of the insurance options we discussed above brings something different to the table, ensuring that you’re able to provide your furry family member(s) with the quality care and medical treatments they need for a long, healthy life. However, these are just a few options available. There are many other insurers, veterinary discount programs, and prescription discount options available that may be a good fit for your needs and those of your pet.