This content was reviewed by our licensed insurance agent, Michelle Schenker.
If your dog is currently experiencing a life-threatening medical emergency, please seek veterinary care immediately. Are you concerned about your dog experiencing an emergency? Are you unsure about where you would take her and how you would pay for it? Below are some solutions to get your dog the vet care she needs immediately and possible methods to find payment assistance.
What exactly does pet insurance cover? Will it cover all the items you’re concerned about for your pet? Find out if pet insurance may protect these commonly asked about accidents and illnesses.
Cesareans, or C-sections, can be a lifesaving procedure for the mother and her litter of pups. Unfortunately, C-sections are expensive and they have associated risks, including bleeding, infection, anesthesia complications, and the surgery itself. These risks can lead to increased medical intervention, leading to increased vet bills when you’re already expecting more vet visits because puppies need frequent medical care during the first year of life. So what are your options? Do pet insurance companies cover C-sections and are there any restrictions to the coverage? Find out if you can get coverage for a potential C-section for your pregnant dog.
Are you looking to save money on your pet’s health care expenses? There are alternatives to pet insurance for you to consider. Some companies offer coverage for routine care, discounts on in-network vets, emergency funds, and more. In some cases, you may even be able to use one of these alternatives in conjunction with a traditional pet health insurance policy. Find out what each of these plans has to offer and if one of them could benefit you.
A big misconception about pet insurance is that it’s too expensive. We spend hundreds of dollars on ourselves and our families each month for health insurance, yet we don’t get coverage for our furry “children.” In reality, paying $50 per month* for pet insurance could end up saving your pet’s life. Instead of being hit with an $8,000 vet bill because your dog needs cancer treatment, you can have a vast majority of it covered through pet insurance. The worst scenario is learning that your dog has cancer but turning down treatment because you can’t afford the bills. No one wants to face this decision, and signing up for pet insurance can cover most of the cost. Pet insurance allows you to make the best choices when an emergency arises instead of the least expensive ones. Pet insurance can also prevent a tragedy commonly referred to as “economic euthanasia.” This is when a pet owner can’t afford treatment and asks the vet to put down the pet rather than care for him due to financial limitations. For this reason, it’s vital to consider buying pet health insurance to protect your canine (and your wallet) from some of the most unfortunate incidents in a pet’s life. The table below shows which companies are in our top picks for the best pet insurance in 2022.
Figo and Healthy Paws are two of the most commonly discussed pet insurance providers, and we put them head to head and choose a clear winner. While both companies offer thorough coverage, there’s a difference in their reputation, plan customization options, and often price. We explain why we rank one better than the other below.
There are many unknowns in owning a pet. Will Fido be diagnosed with a chronic condition? Will he tear his ACL during one of your games of fetch? Will he develop an appetite for eating shoes, wood chips, and other foreign objects? All of these can result in unplanned trips to the vet, which means unexpected costs for you. This is where pet insurance can ease your mind. Instead of facing hundreds or thousands of dollars in vet bills, you can focus on your pet’s health. But where do you begin? Do you want accidents and illnesses covered? How much can you afford for the monthly premiums? How fast do you need reimbursement? To help you select the best pet insurance for your pet, we rank companies based on policy coverage, customer service and reputation, timeliness of claim payment, policy price, plan customization, and what companies excel in. Below are our experts’ top picks by category.
Figo offers customizable coverage for you to choose one of their three extensvie plans. You can then add-on coverage for Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. Figo is one of the only pet insurance companies to offer up to 100% reimbursement so big vet bills won’t break your bank. No pet insurance company covers pre-existing conditions, but Figo will help you identify those conditions at the start of your policy. If you don’t think you’ll get value out of pet insurance after your initial review, just cancel within 30 days of signing up to get your money back. Find out if Figo offers the coverage you’re looking for and if it will align with your budget.
Healthy Paws is committed to helping homeless pets — so much so, they’ve donated over $1.6 million to help in their efforts to date. More than 550,000 pets are covered for new accidents and illnesses by Healthy Paws. But is Healthy Paws worthy of insuring your beloved pet? How does its coverage, service, and cost compare to other top pet insurance companies?
Does pet insurance cover expensive health conditions, like cancer? It depends on your dog’s health status when you purchase the policy and after all waiting periods have passed. Because pre-existing conditions are excluded from coverage, you can’t obtain coverage for an existing cancer diagnosis for your dog. However, if you’re preemptively purchasing a pet insurance policy, then any future diagnoses, including cancer, may be eligible for coverage.
Do you want the most comprehensive list of national pet insurance companies in the U.S.? Look no further. Canine Journal’s experts have a combined investment of hundreds of years of research into the pet insurance industry and corresponding providers. We leave no stone unturned, maintain annual rankings (with quarterly audits) of the top providers, and provide detailed individual coverage of pet insurance companies, whether they’re new to the scene or seasoned veterans. If you’re just getting started with pet insurance, we recommend you visit our is pet insurance worth it article, a comprehensive guide to everything you should know before buying pet insurance. Without further ado, here is our comprehensive list of pet insurance providers.
We review the pet insurance industry’s most reputable companies, conduct extensive research, and analyze customer feedback. Our licensed insurance agent fact checks everything, and we update our coverage throughout the year as providers change their policies, premiums, payout limits, reimbursements, customer service experience, and more. Who are the best pet insurance companies this year? Let’s find out.
