Ensure you choose a pet insurance provider with an excellent reputation. It should have affordable premiums and a 24/7 pet telehealth helpline. It should also provide comprehensive accident-only and accident and illness policies.
Lemonade stands out for its fast claims processing timeline, averaging two days. It also has no bilateral exclusions (for example, hip dysplasia in one knee). The company offers a deductible option and direct pay options.
Trupanion
Trupanion offers comprehensive accident and illness coverage with no annual or per condition payout limits. The company also allows customers to select their own deductible, which can help them save on monthly premiums. Pet owners can also enroll their pets from birth for true lifelong coverage.
The company has several extra benefits, including pet owner assistance, advertising and reward reimbursement for lost pets, holiday vacation cancellation expense coverage, and burial or cremation costs. It also covers breeding-related expenses, which can be excluded by many pet insurance companies.
While Trupanion offers unlimited annual benefits, some competitors offer a range of limits as a way to customize the policy and save on monthly premiums. However, the company doesn’t offer a money-back guarantee or waiting period, which is common for other top pet insurers.
ASPCA
ASPCA offers pet owners its Complete Coverage plan, which reimburses vet bills for accidents and illnesses. It also offers a wellness add-on that reimburses routine care. Its plans are available through a network of licensed veterinarians and animal hospitals.
Unlike other pet insurance providers, ASPCA does not exclude pre-existing conditions from its policies. However, the company does have a waiting period of 14 days for illness and accident coverage.
ASPCA has several ways to contact customer service, including phone and email. Its support team is available to answer questions from veterinary staff, media professionals, and pet owners. They also offer a member center, where policyholders can submit claims and track their reimbursements. They also provide pet-related information and resources, including a database of shelters and rescues.
Prudent Pet
Prudent Pet is a newcomer to the pet insurance industry and offers two plans that include both accident and illness coverage as well as wellness add-ons. These policies offer multiple reimbursement, annual limit and deductible options to meet the needs of pets of all ages and breeds. The company is licensed in all 50 states and can pay vets directly. It also has a number of benefits that many other insurers do not offer, including lost-pet advertising and vacation cancellation coverage.
Prudent Pet has a good reputation among customers and is quick to respond to complaints. However, it does not cover pre-existing conditions as most other pet insurance providers do. Their waiting periods for accidents are 5 days and for illnesses 14 days. Additionally, they do not cover cremation and burial costs or unnecessary cosmetic procedures.
Healthy Paws
Healthy Paws offers one all-encompassing pet insurance plan that covers new accidents and illnesses, as well as hereditary and genetic conditions. It also reimburses for alternative therapies, which makes it a great option for pet owners who are looking to mitigate the cost of veterinary care.
The company’s plans are a little less flexible than those of other companies. They require a nose-to-tail vet exam and have waiting periods of 15 days for illness and 12 months for hip dysplasia. This makes them a bit more expensive than their competitors.
Additionally, the company doesn’t offer any discounts like multi-pet or breeder discounts. However, it does have a 30-day money-back guarantee. Its online Customer Center allows customers to manage their policy, file claims and review claim statuses.
Figo
Figo is an innovative company that specializes in providing pet owners with affordable, comprehensive coverage. It offers coverage for pets of any size and provides a 24/7 virtual vet service. It also offers a wellness program to help prevent health problems.
Unlike many other pet insurance providers, Figo allows customers to customize their plans by choosing a deductible and reimbursement rate. It also offers add-ons for more extensive coverage. Its high reimbursement rates, however, can make its policies more expensive than other options.
Figo also offers a 30-day money back guarantee, which is important to consider when selecting a policy. Its customer service representatives are available via phone, email, and live chat. They are friendly and knowledgeable, and their responses are quick. They also offer a wide variety of discounts for multi-pet owners, military veterans, and vet employees.