If you own a pet, you know how important pet insurance can be. From time to time, cats, dogs, and other pets can get into all sorts of trouble, or contract illnesses that require extended care. Therefore, it’s important to have insurance to buffer the financial burden that ensues from life-saving veterinary care.
The world of pet insurance is full of companies that offer a range of coverage plans, premiums, and deductibles. Thus, you will want to do your research before committing to a coverage plan. As a consumer and a loving pet owner, you want to look for affordable pet insurance that also brings a lot of value to you and your pet.
Pet Insurance Coverage
In general, pet insurers have three levels of care: comprehensive, accident/critical care, and wellness/preventative coverage. While it’s recommended that you have your pet covered for all potential outcomes, you will at least want to cover your pet for tests, vaccinations, and a few dental cleanings. Even basic pet insurance coverage can save you hundreds or even thousands of dollars. Then, you have a healthier, happier pet as a result.
Five Top Affordable Pet Insurance Companies
PetPremium offers coverage at low, low rates. You can choose between two general tiers of coverage: Accidents-only and Total Coverage. With either plan, you can choose three sub-tiers of 70, 80, or 90 percent coverage. With the total coverage plan, your pets will be covered for accidents, illnesses, hereditary conditions, and even behavioral treatment for problematic pets. No matter the level of coverage you choose, you can add preventative care for up to $25/month. At the maximum premium level, your pet will be covered for up to $500 worth of tests, vaccines, dental cleaning, and urinalysis, among other procedures.
Pets Best is a great value for the dollar. In fact, they offer coverage at less than a dollar a day. If you have an active dog that is likely to get into trouble, you will want to consider getting a quote for their affordable pet insurance. They will base your premiums on where you live, your dog’s age, breed, and your deductible/reimbursement level.
The ASPCA is well known for its animal advocacy, and that compassion and caring translates well into its insurance plans. If your pet is covered by the ASPCA, you will find that your companion is covered for accidents, illness, advanced care, and preventative care, depending on the level of care you choose. With the Complete Coverage plan, for instance, your dog’s care will be reimbursed for up to $5000 per year. You can increase this amount to $10,000, $15,000, $20,000, or you could choose unlimited care for your special four-legged friend. Your cat will receive comparable care, but note that certain conditions are not covered.
Nationwide is also on our pet’s side when it comes to spectacular, affordable, pet insurance. Their Complete Coverage plans start at $64/month and cover a wide range of issues, including prescriptions, chronic illness, wellness/preventative procedures, and vaccinations. If you want a more basic level of coverage, Nationwide’s Medical Coverage plans start at $34/month and cover surgeries, hospitalizations, some hereditary conditions (with stipulations), as well as accidents and illnesses. The most affordable level, Wellness Coverage, starts at $22/month and covers mainly preventative measures.
Healthy Paws pet insurance company is consistently at the top of most any consumer ranking. In one case, ingesting a foreign object, Healthy Paws claims to reimburse pet owners up to 84 percent of their out-of-pocket expenditure. Considering that some cats are known to have a penchant for eating yarn or other foreign objects, this is surely welcome news to some pet owners.
When you are looking at which pet insurance plans are the most affordable, don’t just look at the monthly premium. Take a look at the value provided by the plan, the limits and your true expected out of pocket expenses should something go wrong.
Get a quote from Healthy Paws today!