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Why Do I Need Pet insurance? | |||
Some people have a lot of money and never hesitate to take their pet to the vet at the first sign that he might not be perfectly healthy. Others must consider the severity of the problem with taking into consideration the cost that a vet visit will entail. There is no reason to be put into this position when there is very low cost pet insurance available. If your pet has no serious pre-existing conditions you can get full coverage for a very minimum cost. Another benefit to pet insurance is that it covers wellness care including checkups, vaccinations and all of the things necessary to maintain good health. Often a vet can perform a check up on what appears to be a perfectly health animal and be able to identify oncoming ailments or hidden problems that can be easily rectified in early stages but be much more serious if left untreated. Paying a small monthly payment for insurance will cover your vet expenses and eliminates the large outlay that would be necessary if your loving companion has an accident or becomes ill. In the long run you will spend less with pet insurance and be free of worry. | |||
All Pet Insurance Companies | |||
| USA | Canada | UK | Australia |
| | | |
| 24PetWatch Pet Assure Purinacare Petco Trupanion Embrace Pet Secure Pets Best PetPlan HealthyPaws | Petsecure PetCare Purinacare Trupanion BCAA Pet Insurance QuickCare Vet Insurance OSPCAInsurance.ca | Petplan Petprotect PetCareInsurance Healthy-Pets Saga Pet Insurance Vetsmedicover Halifax Churchill | PetInsuranceAu Petplan RSPCA VetsOwn Petsure BowWowInsurance Petsecure Medibank |
Some Examples of Pet Insurance Coverage and CostsPet insurance is a very low in monthly cost and can be used to avoid expensive and unplanned veterinary bills. There are many types of coverage available with varying deductibles, limits, coinsurance payments, illnesses and treatments. You can choose only emergency care up to full coverage including all well care treatments. Dog Insurance and Cat Insurance are both very low cost if your pet is healthy so get insurance before your pet becomes ill since no insurance will cover a pre-existing condition. | |||
| Pet Insurance Coverage Price Examples | |||
| Company | Plan | Approx. Monthly Rate | Coverage |
| US Pet Insurance Plan Examples | |||
| Embrace | Budget Conscious | $14 | $500 yearly deductible, 20% copay, $5,000 annual max., no per incidence limits. Coverage for accidents, illnesses, genetic & chronic disorders. Does not cover take home prescription drugs, dental illness, or wellness. |
| Embrace | Most Popular | $25 | $300 yearly deductible, 20% copay, $10,000 annual max., no per incident limits. Covers accidents & illnesses, genetic & chronic conditions and prescription drugs. Does not cover dental illness or wellness. |
| Embrace | Creme de la Creme | $44 | $200 annual deductible, 20% coinsurance, $10,000 annual maximum, no per incidence limits. Covers accidents & illnesses, genetic/chronic conditions & prescription drugs and wellness. Does not cover dental illness. |
| HealthyPaws | Dogs & Puppies | $20 | Pays up to 90% of veterinary bill for any accident or illness, including hereditary and congenital conditions. Can be Customized. |
| Pet Assure | Discount Plan | $14 | Not insurance. This is membership plan where participating veterinarians & animal hospitals offer 25% discount to members. |
| Purinacare | Without Preventive Care | $32 | $250 yearly deductible. Pays 80% of covered expenses after deductible and co-pay is met. Covers all accidents, illnesses and does not exclude hereditary conditions or behavior modification. |
| Purinacare | Plus Preventive | $47 | $250 yearly deductible. Pays 80% of covered expenses after deductible and co-pay are met. Pays on all accidents, illnesses and does not exclude hereditary conditions or behavior modification. Includes preventive care such as spay/neuter, annual exams & vaccinations and all flea and heartworm medications. |
| Petco Trupanion | Standard | $17+ | Pays 90% of actual veterinary bill for any accident or illness, including hereditary & congenital conditions. Deductibles and premiums are adjustable to meet the buyers needs and affordability. |
| Canada Pet Insurance Plan Examples | |||
| Petsecure | Secure 1 | $22 | Accident coverage up to $1,000 per incident, illness coverage up to $1,000 per condition. Approved claims paid at 80%. Various deductible options to choose. Dental coverage limit of $200. Alternative treatments, behavioral therapy and medical devices paid up to $350. Member benefits include; kennel costs, lost pet assistance and burial to $1,000.. |
| Petsecure | Secure 2 | $27 | Accident coverage up to $2,500 per incident, illness coverage to $2,500 per condition. Approved claims paid at 80%. Various annual deductible options to select from. Dental coverage $300 limited. Alternative treatments, behavioral therapy & medical devices to $350. Member benefits include; kennel costs, lost pet assistance and burial to $1,000. |
| Petsecure | Secure 3 | $41 | Accident coverage up to $5,000 per accident, illness coverage to $5,000 per condition. Approved claims paid at 80%. Various deductible options to choose. Dental coverage limit of $400. Alternative treatments, behavioral therapy and medical devices to $350. Member benefits include; kennel costs, lost pet assistance and burial to $1,000. |
| Petsecure | Secure 4 | $66 | Pays 90% of actual veterinary bill for any accident or illness, including hereditary & congenital defects. Deductibles and premiums are adjustable to meet the buyers needs and affordability. |
| UK Pet Insurance Plan Examples | |||
| Petprotect | Lifelong Plus | Varies | Vet Fees to £4,000 per year, Complementary Therapies, Behavioral Treatments, 50% off costs of Prescription Diet Foods, Congenital and Hereditary Conditions covered, Dental Treatment for Illness or Accident, Covers Euthanasia Charges, Advertising and Reward for Recovery £250, Emergency Vet Fees, Quarantine Costs, Recovery Costs, Third Party Liability coverage £1,000,000 |
| Petprotect | Lifelong Extra | Varies | Vet Fees to £6,000 per year, Complementary Therapies, Behavioral Treatments, 50% off costs of Prescription Diet Foods, Congenital and Hereditary Conditions covered, Dental Treatment for Illness or Accident, Covers Euthanasia Charges, Loss by Theft or Straying £1,500, Advertising and Reward for Recovery £1,000, Kennel/Cattery Fees £1,000, Holiday Cancellation £3,000, If Your Pet Dies £1,500, Emergency Vet Fees, Quarantine Costs, Recovery Costs, Third Party Liability coverage £2,000,000 |
| Australia Pet Insurance Plan Examples | |||
| Medibank | Bronze Paw | Varies | Annual benefit limit $8,000, Covers Accidental Injury Only, Emergency boarding up to $20 a day with $500 annual limit, Excess options- No excess, $100 or $200. |
| Medibank | Silver Paw | Varies | Annual benefit limit $12,000, Covers Accidental Injury, Illness, Disease, Hereditary and congenital conditions. Tick paralysis $1,000 annual limit. Emergency boarding up to $20 a day with $1000 annual limit, Excess options- No excess, $100 or $200 |
| Medibank | Gold Paw | Varies | Covers Accidental Injury, Illness, Disease, Hereditary and congenital conditions. Includes routine care coverage. Tick paralysis $1,200 annual limit. Emergency boarding up to $20 a day with $1200 annual limit, Excess options- No excess, $100 or $200 |
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