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Contents
What is Pet Insurance:
Pet insurance is a type of insurance policy that helps cover the cost of veterinary care for a pet. The policyholder pays a monthly premium, and in exchange, the insurance company helps pay for covered veterinary expenses, such as exams, treatments, surgeries, and medications. The exact coverage and cost of a pet insurance policy vary depending on the specific policy, but most policies have options for different levels of coverage and deductible options.
Typically, pet insurance covers:
- Accidents (e.g. broken bones, snake bites)
- Illnesses (e.g. cancer, infections)
- Chronic conditions (e.g. diabetes, arthritis)
Some policies may also cover:
- Routine or preventive care (e.g. vaccinations, teeth cleaning)
- Alternative treatments (e.g. acupuncture, chiropractic)
It is important to read and understand the policy’s terms and exclusions before purchasing, as some pre-existing conditions, breed-specific issues, and elective procedures may not be covered.
How much does pet insurance cost?
For as little as $1 per day, pet insurance can help protect your finances after vet visits. Several factors affect your premium, including what kind of pet you have, their gender, breed, age and where you live.
You automatically qualify for 15% off your premium. If you have multiple pets or are current or former active-duty military, you may get extra savings for a maximum discount of 25%.
Let’s see how much it could cost you to take care of Max or Daisy if you didn’t have pet insurance.
- If Max or Daisy eats something poisonous, like chocolate or grapes, you could spend more than $942.
- Treatment for heat stroke can cost you more than $2,071.
- For nearly $1,575, your vet can remove that toy your furry family member swallowed.
- Other surgeries can cost more than $1,000.
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Pet Insurance Calculator:
Best Pet Insurance for Dogs:
No matter what breed of dog or cat you have, you can get coverage for most accidents and unexpected illnesses. You’re also covered for most genetic, congenital and chronic conditions if they’re diagnosed after you have your policy and a waiting period has ended.
Personalized Coverage:
Choose deductible and reimbursement options for your pet’s specific needs and get up to 90% back on your bill from any vet’s office.
Diminishing Deductibles:
Stay claims-free and your annual deductible will go down $50 each year.
Visit Any Vet, Anywhere:
There are no networks, so you can visit any vet, even when traveling or stationed abroad.
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Coverage Details:
- Breed-specific conditions
- Emergency room and specialist care
- Cancer treatment
- Surgery, hospitalization and nursing care
- Chronic conditions
- Complementary therapies and rehabilitationSee note4
- Congenital conditions
- Prescription drugs
- Diagnostic testing and imaging
- Behavioral therapy
What about routine care?
Embrace’s Wellness Rewards provides a flexible preventive care plan that helps with your pet’s routine care costs. Add it to any insurance policy and get reimbursed for:
- Vaccinations and titers
- Spay or neuter surgery
- Flea, tick and heartworm treatment
- Microchipping
- Routine blood work
- Grooming and training
Protect your pet’s health anytime with MyEmbrace:
Whether you’re on your computer or on the go, log on to your MyEmbrace account or download the free Embrace app for iOS and Android to manage your pet’s policy.
Update Coverage
Need to change your pet’s coverage or add a pet? No problem. Update your policy and view or download documents at your convenience.
Get PawSupport
Pet emergencies don’t wait for normal vet hours. With your Embrace coverage, Pet Pros are available around the clock to guide you through your pet’s health situation and help you decide if and how soon you should see a vet.
Submit Claims 24/7
Submitting your claim online is the easiest and fastest way to get reimbursed for your vet bills.
Best Pet Insurance Companies Of 2023:
One way to add financial security in your household is to have pet insurance. It’s a way to guard against having to pay the full cost of unexpected vet bills if your pet is injured or gets sick. Vet bills can mount quickly, and the majority of dog owners say that even relatively small vet bills would be unaffordable, according to a recent Forbes Advisor survey.
While pet insurance plans have a common foundation of basic coverage, such as injuries and hereditary and congenital conditions, there are differences in benefits, prices and extras. We evaluated 12 plans to find the best pet insurance.
The Best Pet Insurance Plans:
- Embrace – Best For Superior Benefits
- ManyPets – Best Cost For Unlimited Annual Coverage
- Spot – Best For Annual Coverage Choices
- Pumpkin – Great For Senior Cats And Dogs
- Figo – Great For Short Waiting Period For Accident Coverage
- Lemonade – Best Price For Kittens And Puppies
- Pets Best – Great For Choices Of Deductible
- Trupanion – Best For Lowest Out-Of-Pocket Claims Costs
Embrace:
Embrace’s pet insurance plan earned the highest score for coverage benefits among the plans we evaluated. This plan covers vet exam fees and access to a 24/7 pet health line. The 6-month waiting period for orthopedic conditions can be waived if your vet does an orthopedic exam after you purchase the policy.
ManyPets:
ManyPets offers some unique and valuable coverage features, such as reducing the accident and illness waiting period to 24 hours if you switch over from another pet insurance company. It also has very competitive pricing that makes it worth a look if it’s available in your state.
Spot:
Spot gives you lots of ways to adjust your benefits levels so that you can fit pet insurance into your budget. Note that this is the same plan offered by ASPCA but with different choices for annual limits and deductibles.
Pumpkin:
Pumpkin has a good selection of coverage options for a wide range of pet problems and medical expenses, including vet exam fees, surgeries and dental illnesses. There is no extended waiting period for problems such as cruciate ligament issues or hip dysplasia.
Figo:
Figo’s wide variety of options for coverage, reimbursement and deductible can help you work within your budget. It has a short 1-day waiting period for accident coverage.
Lemonade:
If you want pet insurance at a low monthly cost Lemonade is worth considering thanks to its competitive rates. It also boasts the lowest pet insurance rates for puppies and kittens among the companies we analyzed. You’ll give up some things like a 24/7 vet helpline, and coverage of the vet visit fee is available only with an add-on.
So that’s it for today. You can also check Mortgage Calculator of 2023 on iPcfy.