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Sunday, August 1st
One of the newest pet insurance providers in the pack, Pet Premium aims to keep your furry friend "happy, healthy, and protected". Their robust site includes a wealth of information about pets, from breeds to routine care, and even offers a puppy/breeder search. One downside is that claims are paid based on established limits for each condition, not on what you actually spent at the vet's office.
Trupanion has been a trusted provider of pet insurance since 2000 in Canada and 2008 in the US. All of their plans pay 90% of eligible claims, and premiums are based on deductibles ranging from $0 to $1000. You can use any licensed veterinarian/animal hospital, some of whom have a direct pay relationship that means you don't have to pay the bill and wait for reimbursement. However, a broader-than-average definition of "pre-existing condition" leaves some customers with unpaid claims.
Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.
Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.
Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.
As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:
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