Compare Pet Insurance Companies in Delaware
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 | ||
$45-$90 | A+ | up to 15 days | Compare Plans | ||
$18-$44 | N/R | 14 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 | ||
$45-$90 | A+ | up to 15 days | Compare Plans | ||
$18-$44 | N/R | 14 days | Compare Plans |
5 Best Pet Insurance in Delaware in 2023
Our independent research identified these top six pet health insurance plans for pet parents in Delaware:
- Spot: Most Customizable Coverage
- Embrace: Our Pick for Savings
- Healthy Paws: Most Affordable Unlimited Coverage
- Fetch: Our Pick for Comprehensive Coverage
- ASPCA Pet Health Insurance: Our Pick for Older Pets
Delaware Pet Insurance Costs
According to sample quotes we’ve collected, the average pet insurance cost in Delaware is $47.50 per month. This figure includes pets of all ages. Actual costs will vary and depend on where you live, your pet’s age, species and breed, and the coverage and limits you prefer. Our sample quotes for young adult mixed breed dogs and cats in Dover, Del., were price ranges of $30 to $44 for dogs and $17 to $26 for cats.
Here are the average costs to insure a 1-year-old dog or cat in Dover, Del., for a side-by-side comparison of each company on our list.
Delaware Pet Insurance Company | Monthly Cost for 1-year-old Medium Mixed-Breed Dog | Monthly Cost for 1-year-old Mixed-Breed Cat |
---|---|---|
Spot | $29.90 | $16.42 |
Embrace | $40.11 | $20.06 |
Healthy Paws | $34.35 | $16.04 |
Figo | $30.85 | $18.06 |
Fetch by The Dodo | $21.93 | $20.16 |
ASPCA Pet Health Insurance | $37.10 | $19.92 |
Pet Insurance Plan Types
Most pet insurance plans fall into one of the following categories:
- Accident and illness plans: Coverage for accidents, such as a torn nail, fall, or hit-by-car injury, and also for illnesses, including acute, temporary and chronic conditions.
- Accident-only plans: Coverage for accidents only, usually reserved for emergency use rather than every day pet health needs.
- Preventive care/wellness plans: Wellness plans to cover routine care costs are typically offered as add-ons or, in rare cases, included with accident and illness coverage.
How Pet Insurance Works
Pet insurance works similarly to human health insurance, except in most cases the insurance company does not pay your veterinarian directly. Instead, you pay for your pet’s care and file a claim with your insurance provider to receive reimbursement. When you sign up for your plan, you’ll get a list of covered services and exclusions. (These vary by companies.) Then you may have the option to add riders for extra coverage. You can use your plan after a 14-day (or longer) waiting period. This ensures that your pet wasn’t sick when you signed up.
A premium is the portion you pay monthly to the insurance company whether or not you use your pet’s plan. Premium costs are influenced by the following, which are typically adjustable during plan selection:
- Deductible: This is the amount you must pay out of pocket for covered services before your pet insurance kicks in. A higher deductible often lowers your monthly premium, and you will pay a higher premium for a lower deductible, which resets annually in most cases.
- Reimbursement rate: After you meet your deductible, the plan will reimburse you for a certain percentage of covered services — anywhere from 70% to 100%, and you are responsible for the rest.
- Annual coverage limits: Most plans cap how much they will pay out in any given year. Limits range from $2,500 to unlimited, with the most popular plan options paying at least $10,000. You will pay a higher premium for a higher coverage limit.
Across the board with pet insurance companies, plans won’t cover pre-existing conditions. However, each company has a specific policy for determining what constitutes a pre-existing condition. Routine preventive care, exam fees, cosmetic procedures, and breeding services are also typical exclusions unless otherwise specified in plan details.
How To Choose the Best Delaware Pet Insurance Plan
No one pet insurance plan is the best fit for every pet or every pet owner, which is why we’ve profiled several options with different pros and cons. Consider the following factors when choosing the best Delaware pet insurance plan for your needs:
- Plan type: Accident and illness plans are a good fit for most pets, but some pet owners may prefer to pay less for accident-only plans or more to add wellness coverage so they can pay less out of pocket.
- Coverage spectrum: Consider your pet’s expected medical needs and your personal preferences to decide which coverages are important to you. Alternative therapies, orthopedics coverage, behavioral therapies, dental coverage and extras may influence your decision.
- Claims processing: Read reviews and FAQs on company websites to learn more about claims processing and consider how payment speed could affect your finances. Some offer direct deposit and reimburse you within a few days, while others are slower.
- Base plan and add-on costs: Comparing plan costs side by side can be tough because each base plan includes different coverage and add-on costs will vary. Use online quote tools to choose the options you want, to see the actual cost for your particular pet.
- Policy customization: Keep in mind that nearly all policy premiums will increase as your pet ages, and more customization options will make it easier for you to lower the premium so your plan does not become unaffordable when you need it most.
The Bottom Line: Which Is the Best Pet Insurance Company in Delaware?
Pet health insurance can reduce veterinary care costs and ensure that your pet can receive needed care for an accident, acute illness or chronic disease. Obtaining and comparing multiple quotes and policy details from our top providers, including Spot, Embrace, and Healthy Paws, will help you find the best plan for you.
Frequently Asked Questions About Pet Insurance in Delaware
Pet insurance is worthwhile for many Delaware pet owners because owning a policy will help ensure an ability to pay for your pet’s future veterinary care. The average policy for a pet in Delaware will cost $570 per year, but veterinary bills can run much higher.
Pet insurance premiums typically rise as your pet ages, which means you may pay more than you’d like to keep your pet protected. Some policies also have extensive exclusions, so not every claim will be covered.
The average pet insurance policy premium in Delaware is $47.50 per month — $570 per year. The actual costs you will pay for your pet’s policy could be more or less depending on the company, plan, and options you choose.
ASPCA pet health insurance has a long standing in the pet insurance industry, but all the companies on our list have excellent consumer reviews.