Choosing the Best Insurance Company for Pet Insurance
These ratings by consumers advocate are based on 70% of actual customer reviews of these companies. The other 30% of the reviews are based on Seattle times Ratings (An unbiased review source).
#1 Healthy Paws Pet Insurance
Out of 10 consumer ratings for the best insurance companies for pet insurance, Healthy Paws Pet Insurance was #1. Healthy paws had the most accident coverage and comprehensive illness coverage. It has unlimited lifetime benefits no claim cap. Another important factor is that Healthy Paw’
s coverage includes emergency care.
#2 Pet Plan Pet Insurance.
Pet Plan has been in business since 1976 globally, and began offering insurance in the US in 2006. They also offer comprehensive illness and accident coverage. This coverage also including hip dysplasia. They have a per incident deductible (An annual deductible is better).
# 3 Embrace Pet Insurance
in third place for the best pet health insurace companies. They offer an optial wellness plan that covers their spay and nuter surgery. Benefits are limited to $15/yr with an annual deductible.
Common Pet Insurance Ex
clusions That Can Leave You without Coverage
Pet insurance is a great way to ensure you can always afford any unexpected veterinary costs associated with treating or caring for your pets. Depending on the level of treatment required, vet bills can be quite expensive. If you’re already on a tight budget, the cost of vet treatments
may be prohibitive, leaving many families struggling with the difficult decision to put a pet to sleep.
Yet with pet insurance, many costs associated with treating a pet after an accident or injury could be covered. The majority of basic pet insurance policies will include covering your costs for treatments incurred through accidents or injuries.
As an example, if your pet is involved in an accident or sustains an injury, the cost for surgery, treatments or veterinary hospitalisation may be covered. Likewise, your policy may also cover you for the cost of any prescription medication your pet needs during the recovery period. There are also some policies out there that will cover you for the costs associated with diagnostic and laboratory testing.
Unfortunately, there are times when your pets may require a more substantial level of treatment. Many family pets can be prone to developing serious health conditions and chronic illnesses that can involve ongoing treatments. In most cases, the more serious treatments
are also considerably more expensive. If you have only a basic level of pet insurance, you may find that you aren’t covered for an array of illnesses, conditions or treatments.
Exclusions to Watch for
in Your Pet Insurance
If you’ve taken the time to read the fine print in your pet insurance policy, you may already be aware of what treatments are covered and which ones are not. What you may not realise is that there are often specific exclusions that can ruin your chances of getting your claim paid. Some of the more common exclusions include:
Pre-existing Medical Cond
Many pet insurance policies will not cover your pet for any pre-existing medical conditions, even if you didn’t know your pet had any. If you already know your pet is ill, don’t try to pretend you don’t know about it or lie about the condition on your application, or your entire policy could be voided. Be honest about the exact condition your pet has been diagnosed with and include it on your application. There are some insurance companies out there willing to extend a specific level of coverage for your pet that may still exclude the pre-existing condition. You just won’t be covered for any costs associated with treating that particular condition, even though you may be able to claim for others.
Hereditary or Congenital Conditions
If your pet is diagnosed with a condition that is considered hereditary or congenital, your policy may not cover you for treatments relating to that condition. Some insurers will provide a list of hereditary or congenital conditions that are excluded from coverage. Others will give you the option to extend your level of coverage to include these things.
Some pet insurance policies may not cover you for costs associated with alternative treatments. Many pet owners prefer to look for natural or holistic treatment options in an effort to avoid pharmaceutical drugs or surgical treatments. If you’re unsure whether the alternative treatment you’re considering is covered or not, discuss it with your vet. You may find that some policies are worded very specifically to say they won’t cover any treatment not recommended by a vet, which means you could make a successful claim as long as your own vet recommends the course of treatment.
Fertility and Breeding
You may find that many pet insurance policies won’t cover any vet costs associated with dog breeding or fertility. The costs associated with spaying your pet may be excluded. Some may also exclude treatments during pregnancy. If you intend to breed your pet or are a pitbull breeder, it may be worthwhile shopping around to find an insurance company willing to add an extra level of coverage, as treatment can become expensive if something goes wrong during the pregnancy or during the delivery of your pet’s offspring.
Treatment for Ongoing Conditions
A common exclusion found in some pet insurance policies is a ‘time limited’ clause. If your pet requires ongoing treatment for a chronic illness or requires prescription medication to prolong its lifespan, your policy may only cover the costs associated with these for a specified period of time. With a time limited policy, you may make claims while the policy is active. However, once the policy ends and you renew to a new policy period, you may no longer be able to receive any pay outs for subsequent treatments.
Age of Your Pet
Depending on the insurance company you choose, there may be exclusions around your pet’s age. For example, your pet will need to be at least 10 weeks old before you are covered. You may find that some policies will increase the excess payable as your pet ages, such as raising the amount you must pay once your pet is over the age of six.
Of course, it’s also worth checking whether your policy excludes any claims once your pet reaches an older age. Some policies will no longer pay claims for dogs older than 9 or cats older than 11. You can avoid this exclusion by looking for a lifetime policy instead.
If your pet requires a special diet, it’s highly unlikely your pet insurance will cover the costs. In most cases, the cost of specialised pet food will be excluded from your policy.
Dental treatments for your pet are generally only covered if they are required due to an accident. Any other dental treatments are generally excluded.
If you’ve made the decision to take out pet insurance, always be sure you understand exactly what is included and what may be excluded in your policy. You’ll have a much better chance of making a successful claim if you’re aware of what’s covered when you need it most.