Top pet insurer with a high rating from the Better Business Bureau. Insures cats and dogs. Pays claims quickly and has a lower rate of denials than some other companies. Offers a wellness rewards program and multi-pet discount. No annual vet visit required to maintain coverage. Diminishing deductible option.
Some unexpected pre-existing condition limitations. No illness coverage for animals over 14 years of age.
Offers coverage for dogs and cats of all ages. Doesn't exclude hereditary or chronic health conditions. Dental coverage included, as well as reimbursement for exams. Additional perks include 24-hour customer service, paperless claims, and free veterinarian access through the PetCoach app and website.
Policy holders have expressed frustration over being asked to re-submitted documents they had already submitted. Reports of claim denials with inadequate explanation about decisions are possible.
Processes approved claims in as little as 2 days. Policies available for dogs and cats of a wide range of ages. Covered pets can be seen by any licensed veterinarian. Chronic and genetic issues are covered. No caps. Company has a foundation that supports homeless animals.
Doesn't cover preventative care. Only covers dental issues caused by accidents. Unexpected rate hikes and surprise denials reported.
Offers special coverage options for dogs and cats with various conditions, including advanced age, cancer, and hereditary issues. Some plans offer wellness coverage. Different plan levels available to fit pets' individual needs. Coverage for exams; multi-pet discounts available.
Mixed opinions of customer service – some consumers say it's attentive; others say it's incompetent. Confusion over what indicates a pre-existing condition likely. Denials are common; some difficulties getting claims processed noted.
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Does the thought of encountering potentially high costs for necessary veterinarian services for your 4-legged family members keep you up at night? If so, you aren't alone, as even routine pet healthcare can cost hundreds of dollars, and treatment for illnesses and injuries can run into the thousands. Covering your cats and dogs with pet insurance is an option that can cut down on these costs. Also called pet health insurance, this type of policy works similarly to health insurance for people by covering a portion of veterinarian bills after deductibles, co-pays, and other costs are met. If you are looking for coverage for your pets, keep in mind that premium costs will vary depending on the level of coverage you choose. Additionally, some companies have pet age limits and/or require various waiting periods for coverage to begin; plus some do not cover certain illnesses or pre-existing conditions.
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