Pet Insurance Reviews
Many pet owners don’t even know that pet insurance exists, which can make it expensive if something happens to a furry friend. Keep your favorite family member well protected by reading our comprehensive pet insurance review below. You can choose to read each review individually or you can pick two to compare side-by-side. Get the facts so you can keep your companion healthy and happy.
Pet Insurance Reviews: How Do Top Companies Compare?
Having the proper care for your pet is important, especially when the unexpected happens, so taking a look at pet insurance reviews before deciding on a provider is highly valuable. How do you determine the insurance coverage that’s best for your pet? Browse the must-know facts about several leading providers below and see what users had to say about coverage and service.
Healthy Paws: The Most Unlimited Coverage
Healthy Paws provides comprehensive pet insurance coverage for both dogs and cats, with plan prices as low as $25 a month for dogs and $15 for cats. Prices are determined by your pet’s age and breed, and deductibles for this provider range from $100 to $500. Support can be reached by phone seven days a week.
The great thing about Healthy Paws is that there’s no claims limit — you can easily submit as many claims as needed. Policies cover illnesses, accidents, prescription medications, diagnostic tests, cancer treatment, chronic and congenital conditions, and emergencies. Users report that customer support ranks high, and the provider ensures that 99% of claims are processed within two days.
The downside for Healthy Paws is that it does not cover routine care, like teeth cleaning, vaccinations, or general wellness visits. Pre-existing conditions are also not covered by this pet insurance.
Petplan: The Longest-Lasting Coverage
Petplan’s coverage extends to dogs and cats, with a $100 to $1,000 deductible. Users confirm that support is very good — phone and live chat support is available, as well as customer service via social media sites like Twitter and Facebook.
Petplan’s highlight is that you can get lifetime coverage, which can be valuable in the case of your pet needing quick end-of-life care. Policies are customizable, and coverage is provided for a wide range of health issues. Accidents, illnesses, hereditary conditions, veterinary exam fees, some alternative therapies, prescriptions, and imaging services are all covered under Petplan’s policies. Another perk is no sign-up fee, a rarity among many providers.
This pet insurance provider doesn’t cover routine care and general wellness, however, so vaccinations and teeth cleaning are off the list. Petplan also doesn’t offer coverage for pre-existing conditions.
Embrace: The Best Alternative Therapy Coverage
Embrace’s plan prices depend on several factors, including breed, age, and pre-existing conditions. Plans are rated by users as easy to personalize, and deductibles range from $200 to $1,000. Customer service is well-rated, with availability Monday to Saturday by phone and email.
One perk to Embrace is that they have a Wellness Rewards offering for certain services. Most pet insurance companies don’t cover needs like vaccinations or microchipping, but Embrace lets you choose a Wellness Rewards option that will reimburse you for these services. The provider also covers behavioral therapy and emergency care, as well as breed-specific conditions, diagnostic tests, surgeries, hospitalizations, acupuncture, and chiropractic work. Embrace also offers discounts if you’re covering multiple pets, get your pets spayed or neutered, or if you pay annually instead of monthly.
Downsides for this provider include no coverage for prescription medication and no app for claim submissions. Embrace also has a $15,000 maximum annual benefit cap.
Pets Best: The Best Routine Care Coverage
Pets Best plans vary and come with a $0 to $1,000 deductible. Support is available Monday to Saturday by phone or email. Users report that policy options can be confusing and that pricing isn’t very transparent, so speaking with a representative is a must before making any decisions. Those who use the provider do report that getting a quote is fast and easy, however.
Pets Best provides comprehensive pet insurance coverage for both cats and dogs with a variety of policy options. Plans include coverage for accidents, emergencies, behavioral conditions, prosthetic devices, wheelchairs, cancer treatments, chronic conditions, and congenital issues. A big plus to Pets Best’s coverage is that the provider does offer accident-only coverage at an inexpensive monthly price, as well as EssentialWellness and BestWellness plans that cover routine care items like shots and teeth cleaning — something most other providers don’t include options for.