Pet Insurance FAQ

Pet Health Insurance

Pet Insurance FAQ

How Much Does Pet Health Insurance Cost?

Insurance Cost

The cost of pet health insurance varies based on a variety of factors. 

For example, there are many age-specific coverage options, such as insurance plans for puppies and kittens.  These specific plans cover preliminary care, such as spaying/neutering and administering core vaccines.  Alternatively, there are accident-only plans that only cover.. You guessed it:  accidental emergencies, only!

Deductibles on pet health insurance plans typically range anywhere from $100 – $1k.  The total monthly, semi-annual or annual cost depends largely on what is covered by your selected plan.  So it is important to evaluate what you consider to be the top benefits you require out of a pet insurance policy.

Is pet health insurance worth it?

pet insurance cost-veterinarian

Yes.  Actually, purchasing pet health insurance for your dog or cat early on can even save you money!  Even healthy animals can suddenly develop unexpected health problems.

Will pet insurance save me money?

In the best case scenario, your pet never experiences any health problems, such as the development of a condition, sudden sickness, unexpected emergency or an accident.  However, there are still many procedures that must be performed early on in your pet’s life.  Outside of preventative care, you will likely need to have your pet spayed, neutered or cared for following the birthing of a litter.  Many health insurance plans offer package deals that specifically cover these specialized treatments, which you will wind up paying out of pocket for anyway.  The resulting price tag is often a whole lot cheaper than if you choose to pay for these services individually. 

What is the Best Pet Insurance?

Insurance Plans

This post was most recently updated on January 10, 2022

What is the Best Pet Insurance Plan for Your Pet?

Selecting a health insurance plan for your pet is important.  But with so many options available, it can be difficult to determine which pet health insurance plan you should select.  There are many factors to consider when going over your options, including the age of your pet and whether or not they have a pre-existing condition. 

You may also want to consider the top benefits when evaluating the specific plans offered by your chosen insurance carrier, such as package deals on anticipated procedures, discounted rates on routine maintenance, and other features.  Some insurance plans may even offer discounts on other necessities and essentials, such as food and even training courses.

Choose a pet insurance plan

Here are some of the top benefits to look for when evaluating which pet health insurance plan is best for your dog or cat:

What is the best pet health insurance policy?

In order to pick the best pet health insurance policy for your pet, you should first outline what you consider to be the top benefits.  Are you looking for coverage that will help cover regular vet visits and health care maintenance?  Or are you looking for a cost-effective way to ensure that if a sudden emergency should occur, your pet’s treatment costs will be covered?  

Like health insurance for humans, pet health insurance policies can sometimes be customizable or feature unique highlights.  Some pet insurance plans only cover preventative care, while others may cover accidents and illnesses, and perhaps both emergency and routine care.  Customized plans may cover care from specialists, such as veterinarians who treat farm livestock and exotic animals, such as reptiles and other unique species.  

Additionally, some carriers offer complete coverage, which extends your pet’s treatment beyond the typical annual checkup.  This ensures that your pet can be treated by veterinary professionals who offer specialized services such as dental cleanings and procedures, oncology care, or treatment of hereditary conditions, if necessary. Companies like Lemonade or SPOT Pet Insurance offer coverage for diagnoses, medications, procedures, accidents, and more. To determine the best pet insurance policy for your loved one, choose the coverage that makes sense for your furry friend. If they’re a puppy, you’re going to want preventative and accidental coverage. If they’re a bit older, perhaps you want coverage for pre-existing conditions.

Which pet insurance benefits do vets recommend? 

If you already have a trusted vet in mind, you may want to discuss pet insurance options with them.  They will be able to introduce you to the wide range of benefits to consider and the insurance carriers available in your area.  This is a great idea because it helps to guarantee that the plan you select will be accepted by your veterinarian of choice!

Veterinarians generally recommend that pet owners look for the top benefits, such as plans that will cover spaying/neutering of your dog or cat and reimbursement of a large percentage of the care you pay for in out-of-pocket emergency expenses. You should consider how expensive the annual deductible is, too, to make sure it fits your household’s budget.

What is the best pet insurance

Do most vets take pet health insurance?

Yes, most vets do accept pet health insurance.  In fact, most veterinary clinics and animal hospitals will accept any of the verified plans available from reputable carriers. 

Depending on the insurance you choose, you can pay the vet bill and then submit a claim for your bill to the insurer for reimbursement, or pay through a designated portal online. It’s important to find out if there is a waiting period from when you begin coverage to when you can use it at your next vet visit to make sure you aren’t blindsided by any unplanned out-of-pocket costs.

How do I choose the best pet health insurance for my pet?

When searching for pet insurance companies, pet parents should take into consideration the factors involved and the benefits that are important to them.  The most common top benefits include insurance coverage for accidents and preventative care, cost-effective and budget-friendly options, annual limits and deductibles, as well as location-specific availability.  You may even qualify for discounts based on your occupation or income status.  

If price is particularly important to you, you may want to consider the best budget coverage option.  If you are looking for insurance for everything from routine checkups to unexpected emergency protection, you may want to seek out comprehensive coverage options.  Many carriers even offer accident-only plans so that you can rest assured that your four-legged family members will be able to receive care at a more affordable rate in the event of an emergency.

Do I really need pet insurance?

Absolutely.  Just like with humans, it is impossible to predict the course of your pet’s health. Unpleasant surprises can come up at any time… An accident, sudden illness, or other condition could prove costly — and fast! So it is best to have 24/7 pet care in the event of an emergency.

Even if your pet is perfectly healthy, keeping up with regular care can help protect your pet for the long haul — and help him/her to live the longest life possible!  Experts recommend that you should take your cat or dog to a vet for an annual checkup every single year.  That way, your pet can receive regular preventative care, such as up-to-date vaccinations, topical treatments for flea, ticks, and other external conditions. These annual appointments are also an opportunity for your vet to notice any early warning signs of potential health problems, and can keep your dog or cat as healthy and happy as possible!