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      April 23, 2018

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Pet Insurance

  1. Pets Best
  2. PetPremium
  3. Healthy Paws
  4. Trupanion
  5. Petplan
  6. Pet Assure
  7. 24 Pet Watch

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Best Pet Insurance

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.

Tests, examinations, and procedures can cost hundreds to thousands of dollars. Even a routine pet 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.

Continue reading below reviews

Best Reviews

2018

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 is constantly changing to keep up with the pet insurance industry. They have an excellent reputation for timely payment of claims, and their quote process makes it easy to find the exact plan to meet your needs - from accident-only coverage for an older dog to wellness coverage for a brand-new kitty. Pets Best is one of the best options for pet insurance available today.
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Site

4.5 stars
Pet Premium

PET PREMIUM

PetPremium 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 PetPremium is that it's new to the industry and does not yet have a long track record.
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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.
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Site

3.5 stars
Petplan

PETPLAN

Petplan offers very comprehensive pet insurance, and they make reimbursement incredibly easy using a handy smartphone app. And, if the ticker at the bottom of the website is any indication, Petplan absolutely pays out on claims for everything from ligament tears to foreign bodies in the intestines. The biggest drawback of Petplan pet insurance is the steep price tag: almost twice as much as other companies we reviewed.
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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.
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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.
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Continued from above

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!

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.

 

ValueMomentum Congratulates NSM Insurance Group on its ITA Bridge Award Recognition

NSM Insurance Group identified the opportunity to write pet health and wellness insurance policies. In late 2016, NSM CEO Geof McKernan spearheaded a partnership with pet insurance expert and seasoned insurance executive Sandra Boucher, to develop a new ...

Published:  Mon, 23 Apr 2018 07:15:00 GMT



5 Common Shelter Pet Misconceptions Broken Down by Embrace Pet Insurance

1. You can't find a purebred pet at a shelter: Wrong! Roughly one in four shelter pets is a purebred. (Some estimates are even higher for large breed dogs, like Shepherds or American Staffordshire Terrier). There are also breed-specific rescue groups that ...

Published:  Sun, 22 Apr 2018 01:00:00 GMT



New report shares details about the PET insurance market

Pet Insurance Market 2018 research report added by OrianResearch.com to its vast repository provides important statistics and analytical data to give a complete understanding of the market. The Pet Insurance Market 2018 Research Report provide the details ...

Published:  Wed, 18 Apr 2018 02:26:00 GMT



Owners of overweight pets face failed insurance claims

Pet owners are having their insurance claims rejected because their animals are overweight. Halfway through National Pet Month, which runs 1 April to 7 May, owners are being urged to make sure their pets are covered by their insurance policy. Some 422 ...

Published:  Mon, 23 Apr 2018 04:56:00 GMT



How This M'sian Turned Her Coping Mechanism For Grief Into A Full-Time Pet-Care Business

Its in-app system also looks to streamline payments to pet handlers, offers insurance, and trains handlers to send daily photo and video updates of your pets while you're away. JomPaw often learns about customers bypassing the platform to contact the pet ...

Published:  Mon, 23 Apr 2018 00:05:16 GMT



Insurance won't pay for dog's kidney problems

Greg chose Leon. "He was great, with no issues," he said. On Jan. 4, when friendly, playful Leon was about six weeks old, Greg took out a pet insurance policy with Healthy Paws. As time went on, Greg noticed that Leon drank a lot of water. He brought ...

Published:  Thu, 19 Apr 2018 09:39:00 GMT



Dog owners, here's what you need to know about liability insurance

Although standard homeowners and renters insurance policies typically cover dog-bite liability, there are still some coverage ins and outs that dog owners should assess when shopping or reviewing a policy: Dig into pet-related policy details even if your ...

Published:  Thu, 12 Apr 2018 06:04:00 GMT



The Top 10 President-Inspired Pet Names

According to the Chicago Tribune, the Veterinary Pet Insurance Co. actually did a study on pets named after presidents. And the 10th most popular name on the list is Obama. Maybe people loved his dog, Bo, a Portuguese water dog that lived in the White ...

Published:  Tue, 17 Apr 2018 04:47:00 GMT



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