Do you know a good pet health insurance?
Do you know a good pet health insurance?
I recently adopted 2 new puppy sisters from a rescue group. Does anyone know a good Pet Health
Insurance in the USA?
Thank you
Best answer:
Answer by Veterinary Pet Insurance
Congratulations on your two new puppies! To answer your question, VPI is the oldest and largest pet insurer in the nation. We insure almost 500,000 pets and our first policy was sold to TV’s Lassie. Our Medical and Major Medical plans are designed to cover the illnesses and injuries your pet may encounter. We offer the maximum amount of coverage for the most affordable premium. We do this by using a benefit schedule that outlines exactly what is covered with your policy and how much we will reimburse you for your pet’s claims.
When looking for a provider, some questions you should ask are:
- Does the insurance cover the cost of the exam? (VPI does)
- If my pet gets sick in one policy term, will that condition still be covered in the next term? (It will with VPI)
- How often has the company increased premiums, and by how much? (VPI has set age bracket increases, but won’t surprise you with outrageous price hikes because of “veterinary inflation”)
To give you an idea of how pet insurance works, this would be the process if you were to file a claim with VPI:
1. Visit Any Veterinarian – you can visit any licensed veterinarian worldwide. Simply pay for treatment at the time of service.
2. Submit Your Claim – Fax or mail your claim form along with your invoices.
3. Receive Reimbursement – After meeting your policy’s deductible, you are reimbursed according to your plan’s benefit schedule allowance or the eligible invoice amount, whichever is less.
Good luck in your search, and feel free to ask us if you have any specific policy questions.
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There are many pet insurance companies and, unlike auto insurance, the coverage can be difficult to compare. http://www.petinsurancereview.com is the leading objective resource to help you through this.
Insurance is for the unexpected. So look for policies that provide you with the most coverage when your pet is sick or injured. Be especially aware of exclusions by reading the policy. And wellness programs are not worth it. They might save you a little each year for vaccinations but then fall far short when your pet is really in need of coverage.
Beyond coverage, what type of service do they provide? Some of the larger, older companies all have commissioned sales people at their call center. They’re going to sell you rather than explaining what is best for you.
Companies that stand out include Healthy Paws Pet Insurance (www.healthypawspetinsurance.com), Embrace (www.embracepetinsurance.com), and Pet Plan (www.gopetplan.com).
Hope this helped and good luck!
New puppies are so exciting! I’m glad to hear that you rescued them and also that you are considering pet insurance! Pet insurance is good for unexpected accidents and illnesses. They can get expensive quickly, so it’s nice to have insurance to cover the costs.
For other costs like regular exams and vaccines, it’s best to self-budget since these costs are expected. Some pet insurance companies offer coverage, but it is typically not cost-effective. (Imagine paying an extra $ 200 per year on your premiums for $ 200 worth of routine coverage…)
A few good questions to ask when researching pet insurance are:
1. Does the policy cover everything? Hereditary and congenital issues?
2. What are the payout limits? Will it be enough money for my worst case scenario?
3. How much does it cover for each condition?
4. What are the pricing and deductible options?
5. Is it an ongoing policy? If my pet has an illness during my first policy year, will it be covered the next policy year?
Some companies don’t pay based on your actual bill, but have lists of predetermined dollar amounts that they will pay for each condition which can be shockingly low in many cases. I would recommend getting an actual insurance plan that covers based on your bill so that you are never faced with a difficult and expensive situation when you *thought* you were covered.
We cover 90% of the actual bill for diagnostic testing, treatments, surgeries and medications including emergency and specialist visits. Trupanion is also the only company to offer a $ 0 deductible option.
Feel free to give customer service a call and get a no-obligation quote to ask all the necessary questions and find out what’s best for you!
Congratulations on your new additions! I bet two puppies at once is a lot of work! lol. I have Trupanion pet insurance and they have been great. I would definitely recommend them, as they pay 90%, even for specialists and emergency visits (which is important to me, as I’ve had to visit both with my dog). They gave you a lot of information in their answer above, so I won’t go into all their benefits again, but I do definitely like them. Good luck in your search! You are smart to insure early because not only will it be the cheapest rate, but you’ll get it before any real pre-existing conditions.