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Thanks to modern medicine, veterinarians can perform once unheard-of operations and procedures to suffering dogs and cats, significantly increasing both their life expectancy and their owner's happiness. However, these latest procedures can come with an expensive price tag.

Protect Your Pet with Embrace Pet Insurance Today! Tests, examinations, and procedures can cost hundreds to thousands of dollars. Even a routine examination with vaccinations and preventative tests can cost from $200 to $400 or more. If that hasn't busted your budget, you can only imagine the reality of chemotherapy and hip replacement for a pet in bad shape.

Pet Insurance allows a caring master to continue to enjoy their pet for years to come without facing the financial burden and difficult decision between helping their loved one, or putting it to sleep as a result of cost. A number of pet insurance companies exist today that can greatly relieve the burden of life saving procedures and care. However, these companies all vary in services covered, cost, customer service, and claim reimbursement.

Before selecting a pet insurance provider you should consider the following:

  • Coverage.  What procedures and services does the plan cover? Is their flexibility in selecting the plan that meets your needs? What services are excluded?
  • Customer Service.  Will someone answer the phone if you call in an emergency? When is the company open for assistance?
  • Insurance Premiums.  How much will your premium be for the pet insurance that best meets your needs?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance providers available today. We hope this information helps you select the right pet insurance for you and your pet!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Pet Insurance Reviews

5 stars
Embrace Pet Insurance

EMBRACE PET INSURANCETopConsumerReviews.com Best-In-Class Blue Ribbon Award

Embrace leads the show in pet insurance providers. This truly customizable pet insurance can meet everyone's needs. The website is easy to maneuver and full of great information. Claims are paid quickly and with no hassle - Embrace is an excellent choice. Read More... Visit
Site

4.5 stars
Pets Best

PETS BEST

Pets Best pet insurance provides an easy to use website with an instant quote option. We liked the comprehensive nature of Pets Best and the procedures included within the policies. We also liked how they outline exactly what is covered or not covered with their insurance. Affordable prices and customer friendly policies make Pets Best a very good choice. Read More... Visit
Site

4.5 stars
Pet Premium

PET PREMIUM

Pet Premium is a pet insurance website that is both professional and informative. This company offers several different pet insurance policies to meet your specific financial needs. The downside to Pet Premium is that it's new to the industry and does not yet have a long track record. Read More... Visit
Site

4 stars
Healthy Paws

HEALTHY PAWS

Healthy Paws Insurance provides a straightforward plan with some flexibility to fit your needs. We really liked their quote process and high level of customer satisfaction. Healthy Paws is a top contender for your dog and cat insurance. Read More... Visit
Site

4 stars
Trupanion Pet Insurance

TRUPANION

Trupanion provides solid pet insurance with no gimmicks. This straightforward pet insurance provider covers 90% of the veterinarian's bill and does not increase premiums as your pet ages. Trupanion also allows you to select the amount of deductible you'd like associated with your plan. Read More... Visit
Site

3.5 stars
Veterinary Pet Insurance (VPI)

VPI PET INSURANCE

Veterinary Pet Insurance (VPI) has been in business for over 25 years. VPI allows for a lot flexibility in the coverage your seeking but we found some concerns with the claim process. Read More... Visit
Site

3 stars
Pet Assure

PET ASSURE

This is a program that is best for an older pet or one with a pre-existing condition that would not be covered under the other plans. It is less expensive but your overall savings would be less should your pet need a major operation that was covered by one of the other plans. Read More... Visit
Site

2 stars
Quick Care Pet Insurance

QUICK CARE PET INSURANCE

This program offers a variety of choice so that you can pick the price and the coverage that works best for you and your pet. However, Quick Care is new to the market, with an unproven track record of reliability. We also couldn't find a lot of upfront information on what is excluded by Quick Care. Read More... Visit
Site

2 stars
24 Pet Watch

24 PET WATCH

24 Pet Watch provides a cumbersome online quote process. Missing details and descriptions,along with poor page layout made the online shopping experience unimpressive. The cost of the insurance was much higher than many other companies and didn't appear to be a good value in comparison to those companies ranked higher. Read More... Visit
Site

How Pet Insurance Can Save You Money

If you asked every pet lover you encountered in a day how they feel about their pets, they’d likely tell you they view them as family members, not pets. As such, most pet owners want their furry family members to live long and healthy lives.

One of the best ways to make sure that happens is by investing in a pet insurance policy.

Like their human counterparts, animals can get sick or be involved in accidents which can cause severe injury. They also need routine preventative healthcare in order to stay healthy – all of which can cost a pretty penny. Pet insurance plans are designed to help shoulder the burden of these costs, helping pet owners to have the choice in caring for their pet, versus euthanasia due to insufficient funding to pay for necessary medical procedures.

Currently, only one percent of the U.S. pet population – just under 3 million animals – is insured. However, industry trends indicate that pet health insurance policies are growing in popularity in the U.S., with an anticipated increase of up to 10 percent within the next five years.

The first official pet healthcare policy was sold in Britain in 1947. Britain trails only Sweden in the number of pet owners who provide insurance for their pets. Dogs are the most-insured pet, followed by cats and small exotic animals. While it is sold under the name “healthcare insurance,” pet health insurance is actually under the insurance umbrella for property. According to insurance laws, pets are seen as property, so the insurance policy which covers them is similar to that for any other property owned by an individual.

Most pet owners understand that cost for care, as well as the likelihood that the pet will suffer from certain diseases and conditions, significantly increases as the pet ages. However, not many pet owners have stopped to ask themselves what they would do if their pet suffered a serious or unexpected injury. Average cost for mending a broken leg, for instance, can run between $2,000 and $5,000 without insurance coverage. Dogs, which are known for eating and swallowing items which can be harmful, may need emergency surgery to remove the item and repair any internal damage that may have been caused. That kind of procedure can cost up to $3,000. Many pet owners cannot afford such high up-front costs and most veterinarians require payment in full at the time of the procedure. That leaves many pet owners struggling with what to do for their pet when they can’t afford the procedure that could help them.

Other conditions, such as diabetes mellitus, are on the rise in the pet population. One out of every 400 dogs and cats will be diagnosed with diabetes at some point in their lives. With the advent of medical procedures and interventions not previously available to our pets, many are living longer, which increases their chances of developing age-related conditions and injuries. Take for instance, a pet which develops diabetes. That animal would require insulin injections, much as its human counterpart diagnosed with the same condition would need. Monthly costs between insulin and the syringes needed to administer it can cost a couple hundred dollars. Then there is the glucose monitoring system required to keep track of your pet’s insulin levels. Animal-specific monitors such as AlphaTrak can cost $200 by the time you purchase the monitor, the lancets and the testing strips.

Most pet policies cover these issues and many more, making them a good investment for pet owners. With a variety of plans from which to choose, pet owners can find one that is not only affordable to them, but which also covers their pet’s annual medical needs.

 

 

 

 

 

 

Embrace Pet Insurance

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