Best Pet Insurance Companies 2019

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HealthyPaws

HealthyPaws

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Editor's Take

HealthyPaws is a top-rated pet insurance company. One of its best features is that there are no caps on payouts, either annually or over the pet’s lifetime. It processes most claims quickly, usually as fast as two days. Another perk appreciated by pet owners is that you can use any licensed vet, rather than being restricted to a particular network of providers.

With HealthyPaws, you can be reimbursed as much as 90% of vet bills. Emergencies, hereditary, and congenital conditions are included in your coverage plan.

Key Features

  • Coverage
    up to 90%
  • Claims processing
    2 days
  • Free online quote
    Yes

Details

  • Donates to charitable foundation for homeless pets
  • Coverage starts after 14 days
  • No caps on payouts

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Pets Best

Pets Best

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Editor's Take

Pets Best provides insurance for both cats and dogs. There are flexible plans for different coverage options so you can choose the best fit. There’s even a routine care option. With no age limit, any pet that’s over 7 weeks old is eligible for coverage.

Key Features

  • Coverage
    up to 90%
  • Claims processing
    5 days or less
  • Free online quote
    Yes

Details

  • Pets over 7 weeks old eligible
  • Pet wellness coverage available
  • 24/7 pet hotline

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Figo

Figo

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Editor's Take

Figo is a tech-savvy insurance carrier that offers three flexible plans. You can get reimbursed for up to 100% of your vet bills, plus there’s unlimited coverage with no claim limit. Figo’s mobile app gives you 24/7 access to a live vet and you can take advantage of the AI claims agent for quick processing of claims.

Key Features

  • Coverage
    100%
  • Claims processing
    via A.I.
  • Free online quote
    Yes

Details

  • Pets over 8 weeks old eligible
  • Live vet 24/7 on mobile app
  • Senior wellness testing required of older pets

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Pet Insurance Policies: How It Works and What’s Included

Each pet insurance policy has different coverage details, but most have several commonalities among them. When you sign up for pet insurance, you’ll pay a monthly premium that offers a list of covered conditions. Medical care due to accidents, injuries, and disease are generally covered, although pre-existing conditions are not. You may also be able to add on for general routine vet care and dental work, although these aren’t covered in basic insurance plans.

If your pet has a specific condition, check to see whether it’s covered under your chosen policy.

In extreme cases, such as a bad accident or a cancer diagnosis, paying a small monthly fee can end up costing much less than thousands of dollars in pet medical bills. It’s a proactive solution in the face of medical care that can end up being quite costly.

How does the claims process work? If your pet does have a health issue and is seen for a covered issue, you typically pay the vet out of pocket. You then submit the claim to your insurance company for reimbursement.

When applying for pet insurance, you’ll need to provide information on your pet, such as its age and breed. This data can influence how much you’ll pay each month for your premium.

How to Compare Plans

You can get a free quote from multiple pet insurance companies to compare your offers. Don’t look at just the price alone; there are several factors that can help you determine the true value of your pet insurance policy to make sure you get the coverage you and your furry friend need.

In addition to monthly cost, also consider what percentage of your pet’s medical expenses are covered. More expensive plans will cover 100% of costs, while others may only cover 90% or less. If you end up with extensive vet bills, you could still pay quite a bit of cash.

Let’s take a look at an example to see the financial difference it makes. Say your dog goes through six rounds of chemotherapy at $1,000 per session. That totals $6,000 for the entire treatment process.

  • 90% coverage: you pay $600
  • 100% coverage: you pay $0

Also take a look at the speed of the company’s claims process. Ideally, a good pet insurance company should be able to process your claim within a few days. This is important since you normally have to pay the vet directly yourself, so you’ll want to get that cash back in your pocket quickly. Also consider how you receive reimbursed funds. Do you get direct deposit? Do you have to wait for a check?

Finally, check to see if there is a cap to your coverage. Some pet insurance policies only allow reimbursement up to a certain amount, either each year or over your pet’s lifespan. Find a plan that balances an affordable monthly payment with comprehensive terms that help you financially manage your pet’s health.

Frequently Asked Questions

How much does pet insurance cost?

The amount you pay for pet insurance varies greatly depending on the amount of coverage your pet receives. For relatively comprehensive care, you can expect to pay between $30 and $50. For basic coverage, you may find a plan as low as $10, while extremely robust coverage can be $100 or more.

How soon does your policy take effect?

Most policies go into effect 14 days after signing up, especially if the pet is being seen for some type of illness. Some companies, however, only make you wait 48 hours if your pet needs to be seen for an accident or injury.

Are regular vet visits covered?

It depends on your policy. Some pet insurance companies offer a wellness plan either as an add-on or a policy separate from emergency care for your dog or cat.

Discover the Best Pet Insurance for Your Fur Family

Be prepared for life’s curveballs with comprehensive pet insurance.

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with our top pick HealthyPaws

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