Be prepared when choosing pet insurance: 20 Questions to ask when choosing pet insurance.
Should you get pet insurance? Read one owners story and then scroll down on how to find the best plan for your pet!
After two weeks in Michigan State University’s Veterinary Teaching Hospital, Katie, a 5-year-old Labrador retriever with a clotting disorder, was deemed healthy and was released. Multiple blood transfusions, medications and critical care had brought her owners an $18,000 bill. Fortunately, they were among the less than 1.5 percent of U.S. pet owners who subscribe to pet insurance. Because they had it, they were reimbursed more than $14,000.
Pet owners can visit www.PetInsuranceReview.com to get a basic understanding of pet insurance. The site was designed to assist pet owners shopping for insurance, but it includes customer reviews and basic outlines of plans.
Here is a list of the top companies: (scroll down for all companies)
Trupanion
Lynnwood, Wash.
800-569-7913
www.trupanionpetinsurance.com
One of the newest our clients have been using is called “Trupanion” which is endorsed by the American Animal Hospital Association.
“The Trupanion Top 5″
•More Coverage
For the life of your pet, you have up to $20,000 for diagnostic tests, surgeries, and medications if your pet becomes sick or injured (including hereditary and congenital disorders).
•Higher Payout
Trupanion pays 90% of your cost without caps or restrictive fee guides (including higher costs of emergency clinics and specialty referral hospitals).
•Fast Approval and Payment
On initial claims, Trupanion approves and pays in less than 7 days. Of the most recent 10,000 repeating claims submitted by pet owners, 9 out of 10 were processed and paid within 24 hrs.
•No Penalties for Filing Claims
Trupanion never penalizes responsible pet owners for having unlucky pets. This means your rates won’t increase and your coverage won’t be limited for having submitted multiple claims.
•Fair Premiums
Your premiums won’t increase due to the pet aging and only change periodically due to the inflammatory cost of veterinary medicine. In addition, you can lower your pet’s premium by selecting a deductable that best matches your budget. are the compelling ways we set ourselves apart from the pack:
Although this insurance is available for pets up to 13 yrs of age, when purchased during the puppy/kitten years, helps eliminate insurance problems associated with pre-existing conditions. For more information or for a free quote visit:
Trupanion
Type of Insurance: Accident and Illness coverage for dogs and cats, including genetic/congenital conditions and hip dysplasia. Continuous coverage, with no “annual renewal dates.” (Basically, if it’s not preexisting, it’s covered!)
- Reimbursement: Based on a percentage of the actual vet bill, up to 90%. (Reimbursement level and annual deductible chosen by the pet parent.) No per claim, yearly or lifetime claim limits.
- Customer Service: Everyone on our customer service/claims team has veterinary hospital experience, and we truly care about our pet clients’ health and recovery! We consistently receive high customer service marks at PetInsuranceReview.com.
- Philosophy: With every pet we insure, we donate time and services to rescue and adoption groups nationwide. Since so many are small organizations often run by volunteers, we help them improve their community outreach efforts so that more homeless pets can find forever homes.
- AAHA Accepted
Hartville Group Inc. (Hartville Pet Insurance, ASPCA Pet Health Insurance and Petshealth Care Plan brands) Canton, Ohio
866-820-7764
www.hartvillegroup.com
Embrace Pet Insurance
Mayfield, Ohio
800-511-9172
www.embracepetinsurance.com
Pet First Healthcare
Jeffersonville, Ind.
866-937-7387
www.petfirsthealthcare.com
Petplan USA
Philadelphia
866-467-3875
www.gopetplan.com
Brea, Calif.
888-899-4VPI
www.petinsurance.com
Pet Partners Inc. (AKC)
Raleigh, N.C.
866-725-2747
www.akcpethealthcare.com/BHIA
Pets Best Insurance
Boise, Idaho
888-899-0402
www.petsbest.com
24PetWatch Insurance
Buffalo, N.Y.
888-897-7387
www.24petwatch.com/petinsurance
PurinaCare Pet Health Insurance
San Antonio
877-878-7462
www.purinacare.com
VPI-Veterianry Pet Insurance
888-899-4VPI
