Get an online pet insurance quote today from multiple car insurance companies, all in one place.
If you’re looking for the cheapest pet insurance you can get, it’s essential to shop around and compare quotes. You may find that your current insurer is cheapest, but that can change, so check roughly once a year.
No matter who your insurer is, we can help you save on your insurance policy.
Pet insurance helps cover the cost of veterinary care if your pet becomes ill or injured. Some pet insurance plans also provide reimbursement for wellness procedures such as vaccinations, heart worm testing and spaying/neutering.
Pet insurance is similar to human health insurance in that it has:
No coverage for pre-existing conditions
Your pet may not have experienced any serious health problems so far, but a nasty accident or sudden bout of illness may mean you face paying hefty bills from your veterinarian, and with no financial support from an insurer, you could be left significantly out of pocket.
What’s more, veterinary treatment for ongoing conditions can potentially add up to hundreds, or even thousands of dollars, which is why so many people prefer to know the bulk of the cost of their pet’s health care is taken care of, no matter what life has in store.
There are multiple pet insurance providers operating in the U.S. marketplace, and many of them offer a variety of pet insurance plans. However, the pet health insurance process is more or less the same for each plan.
Firstly, you need to choose the best pet insurance policy for you and your pet. We can help you choose the right policy.
Once you’ve chosen your policy, you’ll be able to personalize your plan by selecting your deductible and co-pay or reimbursement percentage options. You’ll normally be able to choose between an annual or per condition deductible and how much you pay of each claim, and will have the choice of a co-pay amount payable by you. Be sure to check exactly what your policy offers. You will then need to pay for your pet health insurance coverage on a monthly basis.
Should your pet fall ill or become injured, you can visit any licensed veterinarian for treatment. You will usually need to pay the whole veterinarian fee up front, unless your insurer agrees otherwise and eligible for Direct Pay.
You can then submit a claim to your insurance company and will be reimbursed for treatment covered by your policy.
Pet insurance differs from human health insurance in that:
It is a reimbursement program. This means you pay your veterinary bill and then file a claim the pet insurance company for reimbursement.
It does not use networks. You are free to use any licensed veterinarian in the U.S. Some plans will even allow you to use licensed veterinarians in other countries while traveling with you pet.
It's important to note that purchasing pet insurance isn't necessarily more affordable than going without it. It's possible for your pet to never get sick or hurt and for your only medical costs to be out of pocket annual check ups. However, going without insurance is a risk that not everyone wants to take. The appropriate level of coverage varies from pet to pet, but you should think about your pet's illness history and whether your pet is injury-prone when making your decision. If you don't have thousands in available cash to pay for a surprise surgery, then you can be faced with the tough choice of aiding your pet or saving your money.
Pet insurance isn’t a purchase you make often, so you may not know where to start or how to get pet insurance quotes.
Take steps to keep your pet healthy to trim medical costs.
Ask your vet which vaccines you can skip. Some effectively prevent serious and costly diseases, but ringworm, for example, is a mild condition and its vaccine isn’t that effective.
Guard against parasites. Fleas can cause life-threatening anemia, and ticks can spread Lyme disease and Rocky Mountain spotted fever. An inexpensive topical solution can keep the bugs at bay.
Spay or neuter your pet. Doing so can help prevent health problems, including some cancers. Many shelters or chapters of the ASPCA provide low-cost or no-cost spay or neuter surgery.
While paying monthly premiums can add up to a few hundred dollars per year, the benefit of pet insurance is that cost will be less of a factor when deciding whether to go through with a major procedure. Many times, pet owners without insurance can't afford to put their savings towards a large medical expense and are forced to put their pet down. When deciding if you should get pet insurance, it's important to consider the huge cost of major medical treatments.
Without insurance, illness and injury treatments can cost pet owners hundreds or thousands of dollars per incident. If your dog or cat gets cancer, the radiation therapy can cost as much as $5,000 or $10,000. Surgeries for tumor removal or to rectify another serious condition can total anywhere from $3,000 to $6,000. However, if you put $30 to $40 dollars a month towards a pet healthcare plan, you can reduce the immediate out of pocket price of medical procedures by thousands.