Compare the Top Pet Insurance Companies in Alaska
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans | ||
$25-$54 | B | 1 days | Compare Plans | ||
$18-$44 | N/R | 14 days | Compare Plans | ||
$45-$90 | A+ | up to 15 days | Compare Plans |
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans | ||
$25-$54 | B | 1 days | Compare Plans | ||
$18-$44 | N/R | 14 days | Compare Plans | ||
$45-$90 | A+ | up to 15 days | Compare Plans |
Alaska’s 7 Top Pet Insurance Companies
Based on our extensive research, these are the seven best pet insurance providers in Alaska:
- Spot: Most Customizable Coverage
- Embrace: Our Pick for Savings
- Healthy Paws: Most Affordable Unlimited Coverage
- Figo: Most Flexible Reimbursement Rates
- ASPCA Pet Health Insurance: Our Pick for Older Pets
- Fetch: Our Pick for Comprehensive Coverage
Types of Pet Insurance Plans
There are three types of pet insurance policies, defined below:
- Accident-only plans: Accident-only policies offer simple, affordable coverage for emergencies, accidents and injuries. They cover veterinary care for incidents such as lacerations, burns and bite wounds.
- Accident-and-illness plans: The most commonly purchased plans, these protect your dog or cat from accidents and a variety of illnesses, such as cancer, diabetes, congenital conditions and behavioral issues.
- Wellness care plans: Also called preventive or routine care coverage, this plan can often be added to your accident-and-illness policy. It covers day-to-day expenses that keep your pet healthy, such as dental cleanings, vaccines and heartworm prevention.
How To Choose the Right Pet Insurance Provider
Here are a few practical tips for selecting the right pet insurance provider:
- Choose a plan: First, decide what type of coverage you’d like to purchase for your pet, whether accident-only or comprehensive coverage with wellness add-ons. Also consider any unique coverages you’re interested in, such as alternative therapies.
- Understand policy limits: As you compare providers, pay attention to annual coverage limits. While some providers offer unlimited coverage, others cap policy benefits much lower.
- Consider customization: When you get a quote, consider how customizable a policy is. Adjust your reimbursement level, deductible and coverage cap to alter your monthly premium until you have the right amount of protection at the best cost.
- Read the fine print: Many pet insurance companies provide sample policies on their websites. Take a close look at one and review the coverage in your own policy to understand exclusions, waiting periods and other often overlooked details.
- Consider brand reputation: It’s important to work with a provider that has a solid reputation within the industry and among policyholders. Read customer reviews and third-party ratings from sources like the BBB to gauge a provider’s reputation.
- Focus on cost: Each company prices policies differently, factoring in your pet’s breed and age along with your location. Compare at least three quotes before deciding on the right insurance agency for your furriest family member.
Consumer Protection Laws for Alaska Pet Insurance Buyers
While the state of Alaska does not have unique laws specifically geared towards pet insurance policyholders, it does provide resources for filing a complaint against your insurer. You can find extensive resources and file a consumer complaint with Alaska’s Division of Insurance for some of the following issues:
- Billing problems
- Claims delays
- Claims denial
- Conflicting information from your provider
- Questionable sales and marketing tactics
The National Association of Insurance Commissioners (NAIC) is also in the ongoing process of passing new regulations to protect pet owners and ensure coverage is honored in the event of a claim.
The Bottom Line: Which Is the Best Pet Insurance Company in Alaska?
The best pet insurance company in Alaska is Spot, based on our thorough review of coverage, cost and customer experience. With two routine care options, accident-only and accident-and-illness coverage, Spot can provide flexible protection for a unique range of needs.
We have vetted each company in this review, however, and all providers offer commendable coverage and unique benefits to Alaska pet owners. You should choose the pet insurance company that best matches your pet’s needs and your budget. We recommend you compare quotes from at least three companies to ensure you choose the right plan.
Frequently Asked Questions About Pet Insurance in Alaska
Each of the pet insurance companies in this review are widely accepted and will work with any licensed veterinarian in the nation. Fetch by The Dodo’s coverage is the most widely accepted, working in both the United States and Canada.
Pet healthcare plans are worth it if you’re seeking peace of mind that you can afford treatment for your pet when it gets sick or injured. In our survey of 1,000 pet owners, more than 40% of respondents stated they’d have to use a credit card or take out a personal loan to pay for a vet emergency. Pet insurance will reimburse you for large portions of those hefty bills, leaving you with only your monthly premium and copays.
Yes, all pet insurances have a waiting period during which accidents and illnesses will not be covered. Be sure to check each dog or cat insurance policy’s waiting period as they vary by provider.
Methodology: Our System for Ranking the Best Pet Insurance Companies
Our review of pet insurance companies in Alaska is based on in-depth industry research that includes reading hundreds of customer reviews, scoping quotes and purchasing processes by secret shopping, speaking to representatives on the phone to assess the customer service experience, and surveying 1,000 dog and cat owners nationwide to determine the most important elements of Alaskan pet insurance coverage. We scored each provider on a 100-point scale based on those elements. We then divided this final score by 20 to calculate an overall star rating out of 5.0 stars. Here are more details about each factor and how it’s weighted:
- Monthly pricing (25%): The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
- Plans (15%): The top pet insurance companies offer accident-and-illness plans, accident-only plans and wellness or preventive care add-ons to give customers the option to choose a plan that’s best for their pet.
- Covered treatments (15%): We scored companies based on the treatments and procedures they cover. Companies with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
- Customization options (10%): Providers with more annual-limit, deductible and reimbursement-rate options earned the highest scores.
- Customer care (10%): We scored companies on their website accessibility and overall usability, customer service availability, mobile apps (if any), money-back guarantees and veterinarian telehealth options, awarding points to the insurers with more customer experience offerings.
- Industry reputation (10%): We reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and scored companies on their years of experience in the industry and their state availability.
- Waiting periods (10%): Companies with shorter accident, illness and orthopedic waiting periods between the sign-up and coverage start date scored higher than companies with longer waiting periods.
- Eligible age (5%): Some companies don’t offer policies for pets that are over a certain age. We deducted points from providers that have age limits for covered pets.
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry that serve Alaska. To learn more, read our full pet insurance methodology for reviewing and scoring providers. A.M. Best Disclaimer