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There are a variety of companies that offer pet insurance coverage. Some of them reimburse you for your expenses quickly, while others may take weeks to pay their bills. Depending on your needs, you can choose the type of coverage and deductible you want. Many companies offer customized policies, so you can select exactly the level of protection you want for your pet.
Trupanion
Trupanion pet insurance is a top-quality plan that covers a range of medical issues. The company cares deeply about the welfare of your pet, so they provide coverage that’s flexible enough to fit any budget. The plan gives you direct contact with a veterinarian in case of a medical emergency, and you don’t have to pay out-of-pocket. It also offers 24/7 customer service, and a 30-day money-back guarantee.
A Trupanion policy has no annual deductible, meaning that you’ll only pay if your pet is diagnosed with a new medical condition. There are no limitless monthly payments, either. Additionally, your dog is covered at 90 percent of the full cost of veterinary care. Trupanion also offers a customizable deductible, which means you can decide how much to pay out of pocket before the insurance kicks in.
Although the Trupanion policy is comprehensive and covers a wide range of medical expenses, it does not cover pre-existing conditions. Moreover, it doesn’t cover treatment for conditions that exist on one side of the body. As a result, the company recommends sending your claims in as soon as possible. For better chances of getting reimbursed, fill out the claims form and attach medical records. Once you receive reimbursement, the company will refund you the entire premium, minus any enrollment fees.
Trupanion is one of the few companies to cover the vet’s fee directly. However, some veterinarians don’t accept direct payments from Trupanion. Therefore, you need to do some research and find out who accepts your policy.
Embrace
Embrace pet insurance is a comprehensive, personalized pet health insurance plan that helps keep your pet healthy and happy. You can even get reimbursement for preventative care and routine visits. Embrace is a member of the North American Pet Health Insurance Association, and it continues to innovate to offer the most comprehensive coverage available for pets.
Embrace offers a sample policy so you can understand the coverage, exclusions, and limitations of your policy. It also allows you to choose one of five deductibles and five annual coverage limits. In addition, you can choose from three reimbursement rates. Choosing the lowest reimbursement rate will help you save money on your pet insurance premium, but it may mean that you’ll spend more out-of-pocket expenses during a claim.
Embrace’s policies cover a wide range of illnesses and accidents, including breed-specific ailments. It also includes an optional wellness plan to cover routine care. Because the policies are fully customizable, you can find one that fits your budget and your needs. In addition, Embrace’s policies are easy to use and offer many benefits.
Embrace offers a free medical history review to its customers. It will determine if your pet has any pre-existing conditions. Pre-existing conditions include any illnesses, injuries, or irregularities that have occurred before your coverage began. Some insurers require a waiting period of 12 months before they’ll cover any pre-existing conditions, while Embrace only looks at the last 12 months of your pet’s medical history. You’ll also get a multi-pet discount if you have more than one pet.
The company offers customizable plans for dogs and cats. The policies can be modified to meet your specific needs, and the deductible amounts and reimbursement percentages can be adjusted to accommodate your budget. The monthly premium for both dog and cat plans range between $15 and $30.
Prudent Pet
When your pet becomes ill, you want to know that you’re covered. Prudent Pet Health Insurance offers pet insurance to ensure that you get the best possible treatment for your beloved pet. The company’s philosophy is simple: the insurance company wants to help you keep your pet healthy by providing the best medical care.
Prudent Pet’s accident-only plan covers up to $10,000 of expenses for accidents, injuries, and specialized care. However, it does not cover illnesses or digestive problems. You can purchase an accident-only plan or a more comprehensive Accident-Only plan. Prudent Pet offers discounts for multi-pet households and active and retired military members.
Prudent Pet insurance plans start at $5 a month. However, the base rates will vary depending on your location, breed, deductible, and reimbursement amount. You can customize your policy by adjusting the deductible and annual payout limit to lower your premiums. Prudent Pet has a low-deductible option for most customers, but you can increase it if you want to lower your monthly costs.
If you decide to cancel your insurance policy, Prudent Pet will refund your entire premium. If you choose to cancel, you can receive a refund within thirty days. However, if you cancel more than thirty days after the policy starts, you won’t receive your money. So, you’ll have a little more time to find another plan.
Prudent Pet also offers optional wellness plans. You can add a wellness plan to your insurance plan for a monthly fee. Adding this coverage to your policy will allow you to get a reimbursement for certain types of routine care. The plan also covers the cost of prescription medications and vet visits. However, it does not cover dental work.
Fetch by the Dodo
Fetch by the Dodo pet insurance can provide financial relief for pet owners in the event of unexpected health problems. It can cover the costs of sick-visit examinations and veterinary care. However, the policy does not cover pre-existing conditions. It is advisable to consult your vet before purchasing this insurance.
Fetch by the Dodo pet insurance covers many services that traditional pet insurance does not cover. The plan pays for visits to a licensed veterinarian, dental work, and holistic and alternative therapies. Additionally, it pays for boarding fees if your pet is hospitalized. Fetch by the Dodo also provides coverage for veterinary-recommended supplements. It also provides coverage for lost-pet rewards and virtual veterinarian visits up to $1,000 annually without a co-pay.
The Fetch by the Dodo website will give you a quote based on information about your pet. The estimate will take a few minutes. The quote will include the coverage amount, annual deductible, and reimbursement percentage. You will then be asked to provide payment information and your pet’s health insurance number. You do not need to set up an account with Fetch by the Dodo to get a quote.
Fetch is a good option if you have a dog or a cat. The pet insurance plan pays up to 80% of vet bills and costly lifelong medications. You can submit claims using the website or the Fetch app. Once submitted, Fetch will process the claims within 24 hours. You can cancel the policy at any time.
The Dodo acquired Petplan in 2020 and rebranded it as Fetch. Fetch by the Dodo is dedicated to improving the quality of life for pet owners. By offering pet insurance, Fetch helps pet owners manage their finances and ensure the health of their beloved pets.
Healthy Paws
Healthy Paws offers a variety of benefits for pets. They offer a competitive price, mobile apps and a number of communication options. However, there are some drawbacks to Healthy Paws. Some conditions have long waiting periods before they can be covered. Some plans also include a deductible.
Healthy Paws also offers a 15-day waiting period for illness and injury claims. The policy also covers out-of-state travel. It also covers the cost of extractions and reconstruction. Unlike some insurance plans, Healthy Paws doesn’t require your pet to undergo a hip exam. However, you should check the details of the policy.
Other limitations of Healthy Paws pet insurance include a 12-month waiting period for treatments for hip dysplasia, a condition that affects many dog breeds. If your pet is more than six years old, the policy won’t cover the cost of treatment for hip dysplasia. However, you can opt for the Orthopedic Exam and Waiver Process.
Healthy Paws plans have some exclusions, like a 15-day waiting period for accidents. Also, they don’t cover pre-existing conditions. You should note that pre-existing conditions, such as cancer, are not covered. Some insurance companies also require a 30-day waiting period for accidents and illnesses. Healthy Paws’ claims process is simple. All you need to do is submit a photo of your vet’s invoice.
Healthy Paws has been in business for over a decade. Its plans cover accidents, illnesses and surgeries. They also support hundreds of animal shelters. Another benefit of Healthy Paws is that they do not impose payout limits. Other pet insurance providers place limits on some amounts.
