Cheap Pet Insurance Comparisons

We sign up for health insurance for ourselves, but what about our furry companions? Many of us view our pets like family, myself included. One of the best parts of my day is coming home from work to be greeted by my dog and cat’s adorable faces. They always seem to know when I need a little extra love and have no problems comforting me on those bad-luck days. As their owner and provider, it is my duty to return the favor by making sure they always have a clean bill of health. This is easier said than done, though, and a trip to the vet can add up quickly in cost. So, I decided to check out cheap pet insurance as an option.

Cheap Pet Insurance Comparisons

Getting health insurance for your pet may seem ridiculous, but let’s face it; their health issues can be unpredictable too. Not to mention, the cost to cure their ailment(s) can be jaw dropping (and hurtful to our bank accounts). If the special animal in your life is especially getting up there in age, it be worth looking into. From preventative to accident care, many of these pet insurances have a plan for your furbaby. Here are some popular cheap pet insurance options to consider:

• ASPCA Pet Health Insurance:
  • Cost and Plan Options:
    • Customized to your pet. Rates as low as $20 per month for cats and $50 for dogs for complete coverage, depending on animal, breed and age. This includes reimbursement for up to $5,000 per year, with 90% reimbursement from vet visits and a $250 deductible. Pre-existing conditions, breeding costs and cosmetic procedures are not included. Various plans do exist, though, even preventative care.
  • Special Features:
    • Claims can be submitted online, via fax or by mail, whichever works best for you. You can visit any vet you choose and opt to receive reimbursements through direct deposit or mail. Plans can be customized from annual limit to receiving a larger repayment and more. When you add another pet, you can save an additional 10%. Not to mention, if you are unsatisfied, they do offer a 30-day money back guarantee.
• Healthy Paws:
  • Cost and Plan Options:
    • One plan with unlimited lifetime benefits and an annual deductible. Monthly prices vary from pet’s breed, age and deductible rate chosen. Their most popular option, as noted on their website, is an 80% reimbursement rate with a $250 annual deductible and a monthly fee of roughly $44 for a dog and $26 for a cat. Pre-existing conditions, preventative care, spay or neuter fees, and vet exams or office visits are not covered. Multiple pets can be added to the insurance plans, but there is no special discount for doing so.
  • Special Features:
    • The company states that your pet is covered if it needs treatment for any accident or illness as long as it is not a pre-existing condition. This plan includes lifetime coverage for your pet with no caps on claims.
• Pet Plan:
  • Cost and Plan Options:
    • For a basic plan, rates differ from dogs and cats. For dogs, it is around $33 per month for $5,000 annual coverage with a $1,000 annual deductible and 70% reimbursement. Plan includes coverage for illness and accidents as well as non-routine vet exam fees, cancer treatment, rehabilitation and surgery and more. Rates for a cat’s basic plan is lower at around $20 per month. Starting monthly rates seem to increase with pet’s age. Additional felines or canines can be added to a plan, but no discount is provided.
  • Special Features:
    • Healthcare plans can be customized. In addition, an especially unique feature is the reimbursement for advertising or reward costs for lost or stolen pets or even strays. Alternative therapies may also be reimbursed. Behavioral therapies, boarding kennel fees, and non-routine dental care are also all part of the plan; however, each is subject to policy limits.
• Embrace:
  • Cost and Plan Options:
    • Plans vary and can be customized to your needs and finances. For a default plan for a middle-aged pooch (seven years of age and older), a monthly rate of roughly $30 includes up to $8,000 of coverage each year, a $500 annual deductible, 80% reimbursement and no prescription insurance or wellness rewards. You can also do a similar basic plan that is only $20 per month and the same amount of yearly coverage, but it would be a $750 annual deductible and a 70% reimbursement. For younger dogs, monthly rates can start at $15. Cats are even lower with a beginning estimated monthly fee of $8. Regardless of pet, their plans do not cover pre-existing conditions, breeding, pregnancy, cosmetic surgery and the like.
  • Special Features:
    • Embrace has Wellness Rewards, which is a “flexible routine care plan that covers everyday veterinary, grooming, and training costs.” This plan does not require a deductible or a co-pay. Discounts are also available for your plans when applying online as long as you answer honestly.

The cheap pet insurance plans discussed in this article provide coverage only for cats and dogs. It may be worth calling the companies, though, to see if they do have options for other types of pets. There are also many new pet insurance companies like Bivvy insurance, which aren’t yet popular but offer amazing services to their customers – you should definitely check them out! For those of you with cats and dogs, we hope you find this information to be helpful.

Do you currently have insurance for your furry companion? Are the rates comparable to the ones mentioned above? Feel free to comment below or start a discussion in our forums.