There are literally dozens of companies that provide insurance coverage for a family dog, cat or other pet. Making the right choice involves spending some time on pet insurance comparisons.
Even within companies, there can be basic or premium choices of coverage and features. Deductibles can vary from one company and one plan to another as well.
Prices for each plan are determined not only by features and deductible but by breed, age and overall health of the pet but also by geographic region. In general, one of the fullest-featured plans will cost under $100 a month, and there are bare bones choices for under $10 a month.
Top of the Line Pet Insurance
For a pet owner who wants the most complete coverage available, there is an insurance plan for $77 a month in some areas with a $100 deductible that covers both accidents and illnesses.
The carrier pays 80 percent of all costs, including spaying and neutering, essential preventive care, vaccination for rabies, and an annual dental cleaning and vet exam. With this plan, the owner can get a recovery tag in case the pet gets lost.
This company actually offers four plan levels and this is the premium of the four. Its outstanding benefit is that any long-term or chronic illness that occurs in the prior coverage year is not considered a pre-existing condition for purposes of coverage exclusion when it is time to renew the policy.
A Look at Less Costly Coverage
In comparison, for approximately half the cost is a pet insurance plan with a $50 deductible for accidents and illnesses both. The plan simply pays 100 percent of any costs up to $15,000. Additional payouts include $400 to pay for a lost pet ad and a reward to the finder, $500 if the pet is not found, $500 for kennel fees, $500 for having to cancel a trip if the dog or cat has to have surgery, and $100 for cremation or burial.
A simpler plan, at under $25 a month has a $125 deductible for every injury or illness. After that is met, the owner pays only 10 percent of the balance. The carrier picks up the rest of the tab. Another plan for a few dollars less has only a $50 deductible, the same 90 percent coverage, and also offers cancer protection for an additional fee.
An owner might also opt for a membership plan rather than pet insurance. In such an arrangement a group of veterinarians and animal hospitals agree together to offer a discount to plan members. One discount version is under $15 a month and gives the owners 25 percent off each procedure and doctor visit.
The least costly version, in a comparison of a couple dozen, is under $6 a month, and covers only accidents, rather than illness. The insurance payout is 80 percent, and the deductible is $200.
Pet insurance options are nearly as varied as the human version of medical coverage. With dozens of carriers to choose from, and several plans and levels within most, there is a plan that is right for each pet and every owner’s wallet and peace of mind.
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Pet Insurance Comparisons
Even within companies, there can be basic or premium choices of coverage and features. Deductibles can vary from one company and one plan to another as well.
Prices for each plan are determined not only by features and deductible but by breed, age and overall health of the pet but also by geographic region. In general, one of the fullest-featured plans will cost under $100 a month, and there are bare bones choices for under $10 a month.
Top of the Line Pet Insurance
The carrier pays 80 percent of all costs, including spaying and neutering, essential preventive care, vaccination for rabies, and an annual dental cleaning and vet exam. With this plan, the owner can get a recovery tag in case the pet gets lost.
This company actually offers four plan levels and this is the premium of the four. Its outstanding benefit is that any long-term or chronic illness that occurs in the prior coverage year is not considered a pre-existing condition for purposes of coverage exclusion when it is time to renew the policy.
A Look at Less Costly Coverage
In comparison, for approximately half the cost is a pet insurance plan with a $50 deductible for accidents and illnesses both. The plan simply pays 100 percent of any costs up to $15,000. Additional payouts include $400 to pay for a lost pet ad and a reward to the finder, $500 if the pet is not found, $500 for kennel fees, $500 for having to cancel a trip if the dog or cat has to have surgery, and $100 for cremation or burial.
A simpler plan, at under $25 a month has a $125 deductible for every injury or illness. After that is met, the owner pays only 10 percent of the balance. The carrier picks up the rest of the tab. Another plan for a few dollars less has only a $50 deductible, the same 90 percent coverage, and also offers cancer protection for an additional fee.
An owner might also opt for a membership plan rather than pet insurance. In such an arrangement a group of veterinarians and animal hospitals agree together to offer a discount to plan members. One discount version is under $15 a month and gives the owners 25 percent off each procedure and doctor visit.
The least costly version, in a comparison of a couple dozen, is under $6 a month, and covers only accidents, rather than illness. The insurance payout is 80 percent, and the deductible is $200.
Pet insurance options are nearly as varied as the human version of medical coverage. With dozens of carriers to choose from, and several plans and levels within most, there is a plan that is right for each pet and every owner’s wallet and peace of mind.