Every pet owner wants to ensure that they have the best protection possible for their pet. That is why getting dog insurance is one of the best investments you can make.
Not only will dog insurance provide you with financial support and peace of mind but equally help ensure you can give your dog the best quality of life possible.
To quickly sum it up, pet insurance is essentially very similar to human health insurance. It is a policy plan that enables you to pay for any medical expenses that should ever come up for your dog—either through reimbursement or deductible structure. Regardless, it will end up saving you thousands of dollars compared to if you had simply saved up on your own and then pay for the expenses out of pocket.
Pet insurance plans can vary from provider to provider. Some plans only cover accidents. Others cover for accidents and illnesses. And then there are others that cover all the above, in addition to a more robust wellness plan that also supports vaccinations and therapies.
The most common type of coverage is generally accident and illness plans. But getting wellness plans enables you to take a more proactive approach to your dog’s health, so it is certainly something to consider.
So what dog insurance plans should you sign up for? There are many reputable insurance providers to choose from. We have rounded up our top picks and explained all the reasons why.
1. Embrace Dog Insurance
We’ve picked this provider for the superior benefits that they give to their clients. Not only does it have a high score when it comes to the variety of coverage and reimbursement options, but has structured it in a way that means it will practically work for everyone’s budgets.
While the waiting period is nearly half a year when it comes to orthopedic care, there are many benefits that make this provider worth waiting for. Not only will you get annual coverage and diminishing deductibles, but all the fees for veterinarian visits when it comes to accidents and illnesses will be covered. And the waiting period for dog accidents is actually only two days.
With the ability to add on an additional wellness plan and also have access to 24-hour support, this dog insurance is one to certainly consider.
2. Pets Best
Another great option to consider is Pets Best for the range of great choices when it comes to deductibles. Not only does it offer customers a great price and a resulting great coverage, but ensures that you can easily budget when it comes to the deductibles you will be responsible for.
While there is a six-month waiting period for getting coverage for any ligament issues, there are so many benefits. This ranges from a three-day waiting period for accidental coverage, getting a discount for multiple pets, having access to routine wellness plans, and the ability to get access to around-the-clock customer support.
This dog insurance provider is great because they are able to keep the out-of-pocket expenses you may need to cover extremely low. Not only do they have unique coverage features and a very appealing pricing structure, but have some of the shortest waiting periods if you are leaving another insurance provider.
Depending on where you live, you may also get up to 100% reimbursement on certain claims and get all the vet exams for illness and accidents covered too. Keep in mind though that there is no 24/7 customer support available and only a variety of states take this type of coverage—so your location really matters.
Keeping the waiting periods short, Figo offers you really competitive prices and also connects you to dog-lover groups too! While there are short waiting periods, wellness plans available and a 100% reimbursement plan option, there are some things that you should keep in mind—most specifically that you won’t get dental coverage or prescription food coverage.
Of all the costs for premiums out there, Lemonade is probably the least expensive but still offers a ton of coverage support and additional benefits. Not only are the premiums low and the waiting periods short, but there are equal wellness add-ons available too. But you will likely be paying out of pocket for quite a few things—like vet exams, therapies, and prescriptions.
If you want to give your dog the best wellness coverage, then this one is a great one to do. With Spot, you will be able to keep your dog healthy and get routine care whenever needed. You will also get a ton of discounts too, which can help keep the costs of being a dog owner down.
These six pet insurance providers are just the beginning of the great options out there! Which one will you choose?