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The 9 best pet insurance plans for 2020

pet insurance

When it comes to pets, they need a lot of care, and as a pet owner, you're likely used to picking up food and having regular pet checks at your vet. But if you are looking for ways to physically reduce yourself while still providing the best possible care for your pet, then the pet insurance policy may be right for you.

Pet insurance can help you save money on routine vet visits and daily preventive care. The policies also cover emergencies to help ease the financial burden when your pet becomes a little strange, and you will leave your vet bill. Pet insurance can help you gain peace of mind by learning about any accidents or injuries that may occur. Here are the best pet insurance companies.

The 9 best pet insurance plans for 2020

  1. Nationwide: we have chosen to obtain a general evaluation
  2. Health Paws: Our Choice of Total Value
  3. ASPCA: Our Choice of Multiple Pets
  4. Embrace Pet Insurance: Our Choice of Emergencies
  5. PetFirst Pet Insurance: our selection of routine care
  6. Tropanion: our choice of genetic conditions
  7. PetsBest: our selection of older dogs
  8. PetPlan: our choice for older cats
  9. Pet Assure: our selection of exotic animals

Our overall assessment pick: Nationwide


Pet insurance at Nationwide has a long list of benefits. The company's comprehensive plans start at $ 35 per month and allow you to use the vet of your choice. The master health plan covers prescriptions, surgeries, some genetic conditions, and more, while the pet care plan targets vaccines, flea prevention, heartworms, and wellness testing. Do you need more coverage? Complete pets with a wellness plan include all the features of both plans. Not all pet insurance companies cover routine care, so this is an area where Nationwide has the upper hand.

Another feature at the national level? Exotic pets are allowed. The company is ready to protect birds, chameleons, snakes, lizards, and mice. Nationwide also allows you to choose whether to receive compensation with a set amount or a percentage of the amount you paid. Reviewers say claims are handled quickly and reimbursement is fast; Mobile claims are also available, so you can quickly send a file from your phone no matter where you are. Nationwide prides itself on offering the widest coverage available anywhere.

Our choice for total value: health paws



Pet Foundation Health and Paws Health Insurance is a clear advantage of its total value. The insurance company offers four annual discounts of $ 100, $ 250, $ 500 or $ 750, with no limit on any of your claims. Premium rates are generally lower compared to other companies: Monthly costs start at just $ 25 for dogs and $ 15 for cats, plus Healthy Paws has no annual limits. After reaching this annual deductible amount, all incidents covered by the policy that occur during the rest of the year will be paid. Healthy Paws pays up to 90% of your vet's bills for accidents or unexpected illnesses. With Healthy Paws, you can use any licensed vet, and coverage will not decrease as your pet grows.

Among the many similar companies, Healthy Paws are the only companies that do not set limits on any plan, including no accident maximum, annual limit, or maximum payment limit. Healthy paws also cover alternative care and do not limit genetic or congenital conditions. Overall, Healthy Paws offers excellent value for money, with several different levels of care at an affordable price.

Our selection of multiple pets: ASPCA


Do you have more than one pet that needs insurance? ASPCA Pet Insurance offers a 10% discount for many pets. With the ASPCA plan, you can list all of your pets under one policy, saving you time and money as there is only one bonus for all of your pets.

The complete coverage plan covers accidents, diseases, genetic and behavioral problems of all the animals in your home and can be used by any veterinarian in the United States or Canada. We also appreciate joining this basic plan with preventive care that includes vaccinations and heartworm treatment so that all of your pets can stay healthy.

Register only one pet with the company first, then you can log into your account and add any additional pets from there. A 10% discount will be applied to additional pets after the highest premium pet. ASPCA has handled more than 1.6 million claims in more than 20 years since its establishment in 2006, and is an excellent choice for all families, but especially for families with many pets. You can call ASPCA Pet Insurance for a quote to customize your plan based on your finances.

Our emergency pick: Embrace pet insurance


Whether it's an anxious dog running down the road or a curious cat chewing on a dangerous plant, accidents happen, and this is where a catastrophic insurance plan, specially designed for emergency problems, can save you some money and Pressure. Embrace Pet Insurance offers a catastrophic pet insurance plan with a discount of up to $ 1,000 plus $ 15,000 in coverage each year (with no limits for each accident). The month-to-month cost is very reasonable and in an emergency Embrace will be covered.

What does Embrace do well? much. Claims are processed quickly and efficiently, and after-hours treatment centers are included in emergency care coverage. Plus, the service and customer care are first-class: When a customer's cat died, they received a handwritten note of condolences from Embrace Pet Insurance staff. Incubation also includes chronic conditions, behavioral therapy, diagnostic tests, and more. You can also add to your company's Wellness Rewards Care plan to get compensation for routine pet care and avoid emergencies before they occur. You can request a quote through the Embrace website.

Our selection of routine care: PetFirst pet insurance


Teeth cleaning, vaccinations, sterilization, and sterilization are part of the routine care your pet needs to maintain good health; It can be expensive, averaging $ 235 a year for dogs and $ 196 a year for cats. While not all pet insurance companies will compensate you for routine expenses, PetFirst Pet Insurance does have routine medical care that addresses all of these needs and more. Obtaining compensation for your pet's routine health will generally reduce costs throughout your pet's life. Additionally, PetFirst insurance coverage can be applied to any veterinarian, specialist, or emergency clinic in the United States.

The company offers five separate routine care options that you can add to your coverage. Depending on what you choose, your plan will include a mix of routine check-ups, vaccinations, dental cleaning, careful cuts, preventive parasite treatment, sterilization, testicles, and behavioral training.

PetFirst handles claims in less than two weeks and is known for its first-class customer service. Routine care coverage can be added to any of your PetFirst insurance policies. You can get a free quote from the Pet First Insurance website.

Our selection of genetic conditions: Trupanion


Finding pet insurance that covers genetic conditions can be important. Many insurance companies maintain the position that genetic or congenital conditions exist in advance technically, because they have been present in the dog's body from birth. For example, sciatic dysplasia is an example of a genetic condition, and can be expensive in many large breeds of dogs. However, other insurance companies will cover genetic conditions as long as these cases are not noticed or diagnosed before starting your policy.

Trupanion is one of those companies, which covers genetic and congenital conditions, as well as common illnesses and accidents. The insurance company offers a simple plan that can give you peace of mind no matter what happens. If Tropanion is unsure if the condition is present, he will work with your vet to analyze and discover medical records. Tropanion pays 90% and never imposes payment limits. You can request a quote through the Trupanion website.

Our selection of older dogs: PetsBest


Finding pet insurance for older pets can be difficult because larger pets are likely to need veterinary care; Most insurance companies will not accept dogs over the age of 12 with similar restrictions for cats. But PetsBest is different. This company does not have an upper age limit, so your dog can enroll in a plan regardless of age. Although the prices rise according to the age of your pet, the peace of mind of the insurance is worth it.

PetsBest plans cover emergencies, cancer, diseases and other conditions that your big dog may face. PetsBest even offers an additional pet wellness plan that helps cover routine care, like vaccinations; This is an option that most pet insurance companies do not offer, and it can be very beneficial if you focus on preventive care with your older dog. PetsBest customer service is also friendly, helpful, and ready to guide you through any process where you need help over the phone.

Discounts range from zero to $ 1,000, and PetsBest plans offer 70%, 80%, or 90% compensation. Dog plans start at $ 9 a month to cover just accidents, while comprehensive accident and illness plans end at a cost of about $ 35 and $ 58 per month.

Our selection of older cats: PetPlan



Policies for older dogs can be much more expensive than for young adults, but with cats, the premium is likely to remain within reach regardless of the cats' age. PetPlan has no age limit, offers "Coverage of the Nine Spirits" and accepts any cat six weeks or older. PetPlan, available in the United States and Canada, is available by never canceling your cat's policy due to age.

PetPlan covers congenital, inherited, and chronic conditions of pets, but does not treat pre-existing conditions or cover routine visits such as dental cleaning or wellness. However, this is the case for the course with most pet insurance companies, and you can be sure that your big cat will be covered up to 90% if new injuries or illnesses arise after signing up for a plan.

On average, PetPlan clients save between $ 50 and $ 250 per vet visit for injuries or illnesses. Claims are generally paid within 1-2 weeks, and through PetPlan's clean interface, it's easy to submit your claim, track its progress, and get compensation. You can request a Pet Plan quote to meet your needs.

Our selection of exotic animals: Pet Assure


If you have a strange pet, you may have a hard time finding a pet insurance company that covers because most insurance companies only cover cats and dogs. However, Pet Assure does this as it covers birds, fish, pocket pets, amphibians, reptiles, monkeys, big cats, and kangaroos in its definition of exotic pets. And if you also have a dog or cat, these pets can be covered along with their "more exotic" animals.

Pet Assure is technically a discount program and not an insurance plan: you pay a monthly fee and then receive discount services instead of compensation. These services include internal medical services and procedures ranging from dental cleaning to emergency care and surgical procedures. Unlike many pet insurance companies, Pet Assure covers medical care and pre-existing conditions, plus there are no waiting times, discounts, or age limits. You can request a quote through the company's website.

How does pet insurance work?

Pet insurance is basically a form of health insurance for your furry friend that helps you save money on vet bills. As a pet owner, you pay a monthly premium. When medical costs increase, you will pay the vet and then request compensation from the pet insurance company.

What does pet insurance cover?

Pet insurance covers unexpected accidents, illness or injury, for example if you think your dog is eating something she shouldn't be doing, or if your cat is diagnosed with cancer. Some pet insurance plans also cover routine medical care, like annual checkups or grooming. Pet insurance companies do not cover pre-existing conditions (conditions that were provided before your insurance coverage began).

Is pet insurance expensive?

In general, pet insurance is not very expensive, although the monthly cost depends on the specific premium you choose. According to Value Penguin, most pet owners will pay between $ 30 and $ 50 per month; Premiums can range from $ 10 for some plans, or can be more than $ 100 for other plans.

Can pet tax be deducted?

Pet insurance is not tax deductible unless your pet is a certified pet. According to H&R Block, if you have a physical disability and have a service animal (not a treatment or emotional support animal), you can pay the animal's medical expenses on your taxes. Otherwise, discounts related to pet medical expenses are not allowed.

Is pet insurance worth it?

This response varies from person to person. For routine medical care, pet insurance is probably not worth it. But for accidents or unexpected injuries, pet insurance can be worth 100%. The peace of mind that premium payments provide to pet owners is invaluable.

How do we choose the best pet insurance companies?

The companies included in this article were chosen after very careful research. Considering the average price of each pet insurance company, we chose services that offer many flexible options when it comes to monthly fees. We read dozens of customer reviews for each company, looking for great customer service and quick payments. Finally, we have made sure that most companies work with any vet and cover most genetic and congenital conditions.
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