PET INSURANCE

   ASPCA Pet Insurance covers a broad spectrum of medical issues, including accidents, illnesses, hereditary and congenital conditions, chronic diseases, and behavioral issues. It offers an optional wellness add-on for routine care like vaccinations and dental cleanings. Policyholders can tailor their coverage according to their needs and budget by choosing their deductible, reimbursement percentage, and coverage limit, offering flexibility in policy management. There are no network restrictions and the plan offers a multi-pet discount.

The ASPCA excludes pre-existing conditions and premium costs can vary based on the pet’s breed, age, or location. There is no direct billing (payment is by reimbursement).

   Embrace covers a wide array of conditions, including accidents, illnesses, genetic conditions, cancer, dental trauma, and even alternative therapies. It does not have lifetime or per-condition limits on its policies. It offers the Healthy Pet Deductible™, which reduces your annual deductible by $50 each year you don't receive a claim payment. It offers an optional Wellness Rewards program that reimburses for routine and preventive care.  Plans can be adjusted by annual deductible, reimbursement level, and annual maximum. Embrace is known for its responsive and helpful customer service.

Embrace has a longer waiting period for orthopedic conditions in dogs. Embrace excludes pre-existing conditions from coverage and as pets age, the premium costs may increase.

Fetch (formerly known as Petplan) is a popular choice among pet owners for its comprehensive coverage options. It includes accidents, illnesses, dental disease, injuries, hereditary and chronic conditions, and doesn't exclude breeds or age-related conditions. Insurance can start as early as 6 weeks of age. It also covers non-routine veterinary exam fees and alternative treatments such as acupuncture and chiropractic care. Coverage also includes behavioral consultations and therapies.  Owners can choose their deductible, reimbursement rate, and coverage limit.  In some cases, Fetch can pay your vet directly. Fetch policies do not have lifetime or per-condition claim limits.

Fetch premiums can be higher than some competitors. It does not cover pre-existing conditions. Fetch has waiting periods before coverage begins (typically 15 days for accidents and illnesses), and It does not have a wellness plan option. While you can choose your coverage limit, selecting a lower limit to reduce the premium cost might leave you underinsured for major medical issues. As pets age, the cost of insurance premiums with Fetch may increase. .

Figo Pet Insurance stands out for its unlimited coverage option, innovative Pet Cloud app, and the inclusion of modern services like virtual vet consultations. It offers broad coverage including accidents, illnesses, hereditary and congenital conditions, chronic diseases, and prescriptions. It has an 

option for unlimited annual benefits.

It has one of the shorter waiting periods for accident coverage. 

 In some cases, Figo can pay the vet directly. Policyholders can  choose their deductible, reimbursement percentage, and annual limit.

Figo does not cover pre-existing conditions and costs can vary depending on where you live. It does not offer wellness plans. 

 There may be age restrictions for new enrollments. Premiums can increase due to factors like pet aging or rising veterinary costs.

 Figo uses an annual deductible model, which resets each policy year. This is generally beneficial but could be a con if your pet requires treatment across two policy periods close together.

Healthy Pawsprovides extensive coverage for accidents and illnesses, including hereditary, congenital, and chronic conditions. The plan covers diagnostics, surgery, hospital stays, medications, emergency care, specialty care, and alternative treatments. There is no annual, lifetime, or per-incident caps on claim payouts. Healthy Paws keeps things straightforward with a single comprehensive plan.

Healthy Paws is known for its efficient claim processing, with most claims being processed within a few days.  The Healthy Paws mobile app allows pet owners to submit claims easily by uploading a photo of their vet bill. A portion of the proceeds from every Healthy Paws policy goes to help homeless pets, reflecting the company's commitment to animal welfare.

Healthy Paws does not offer a wellness plan and excludes pre-existing conditions. Healthy Paws charges a one-time enrollment fee, which is not common among all pet insurance providers. Pets over a certain age are not eligible for new coverage, and older pets may have limited plan options, including a mandatory 60% reimbursement rate and $500 deductible. Premiums can rise due to pet's age and rising vet costs.

Lemonade Pet Insurance is a newer option that  has gained attention in the pet insurance market for its innovative use of technology and customer-friendly policies. Lemonade uses AI and technology to streamline the insurance process, from getting a quote to filing a claim, making the customer experience fast and efficient. Policyholders can customize their coverage by choosing deductibles, coverage limits, and adding optional wellness packages.  Lemonade is known for its transparency and Giveback program, where leftover money from premiums, not used for claims, can be donated to charities chosen by policyholders.

Lemonade Pet Insurance is not available in all states and excludes pre-existing conditions. While customizable, Lemonade’s plans do have annual coverage limits and age restrictions. 

 ManyPets typically offers wide-ranging coverage that includes accidents, illnesses, hereditary and congenital conditions, and chronic diseases, ensuring a broad spectrum of veterinary care is covered.

ManyPets policies often come with no lifetime claim limits. 

Unlike many other pet insurers, ManyPets offers options that can cover pre-existing conditions if the pet has been symptom- and treatment-free for a certain period. Some ManyPets policies include access to vet video consultations.

ManyPets offers the option to pay vets directly. For households with more than one pet, ManyPets offers a discount for additional pets.

ManyPets has waiting periods before coverage starts and there may be age restrictions for new enrollments. 

Premiums may increase as the pet ages or due to other factors like rising veterinary costs. ManyPets’ availability and specific offerings can vary significantly by location. Depending on the policy, routine and preventive care, such as vaccinations and annual check-ups, may not be covered or may require additional coverage.

Nationwide Pet Insurance, formerly known as Veterinary Pet Insurance (VPI), is one of the oldest and largest pet insurance providers in the United States. Nationwide provides coverage for dogs, cats, birds, and even exotic pets. It offers a variety of plans, including comprehensive medical and wellness coverage, and major medical plans. One of Nationwide's standout offerings is the "Whole Pet with Wellness" plan, which includes wellness along with accident and illnesses. Pet owners can choose and provider under Nationwide. Nationwide offers discounts for policyholders who bundle their pet insurance with other Nationwide insurance products.

 Some of Nationwide's plans cap reimbursements for specific conditions or treatments. There are age restrictions for enrolling pets in certain plans. Premiums can vary based on breed, age and location. Nationwide does not cover pre-existing conditions.With multiple plans and coverage options available, choosing the right plan from Nationwide can be overwhelming for some pet owners. Nationwide has received mixed reviews regarding customer service and claim processing times.

Paw Protect typically offers a selection of plans, covering anything  from basic accident-only plans to more comprehensive options that include illness and ongoing conditions. Many plans offered by Paw Protect cover hereditary and congenital conditions. Paw Protect often provides discounts for multi-pet policies. Some policies may offer the option for Paw Protect to pay vets directly. Paw Protect may cover treatments such as physiotherapy, acupuncture, or hydrotherapy. 

 Paw Protect generally does not cover pre-existing conditions. There are usually waiting periods before coverage begins, particularly for illnesses. Plans may come with annual coverage limits. Premiums may increase upon renewal, particularly as the pet ages or if there are significant claims made, which could lead to higher costs over time. Coverage can vary by locaiton. There are mixed reviews on customer service.

Pets Best offers comprehensive coverage options that include accidents, illnesses, emergency care, hereditary and congenital conditions, cancer treatments, and prescription medications. It also offers routine care coverage plans. Pets Best allows policyholders to customize their plans with various deductible and reimbursement rate options. Pets Best has some of the shortest waiting periods in the industry for accidents and illnesses. In some cases, Pets Best can pay veterinarians directly. They offer a multi-pet discount and 24/7 pet helpline. 

Pets Best does not cover pre-existing conditions, and older pets may face age-related restrictions.Some plans have annual coverage limits. 

Policy premiums with Pets Best can increase due to various factors, including the pet's aging, rising veterinary costs, and changes in the pet's health status. Customer service experiences can vary, and some policyholders may experience challenges with claims processing or customer support.

Pumpkin Pet Insurance is a newer pet insurance company that is notable for its inclusive coverage and the optional preventive care pack.  Pumpkin provides extensive coverage that includes accidents, illnesses, hereditary conditions, and even some behavioral issues. Pumpkin does not have age restrictions for enrolling pets. Pumpkin offers high reimbursement options of up to 90% andhas relatively short waiting periods.

Due to the comprehensive coverage and inclusion of preventive care, Pumpkin's premiums can be higher than some other pet insurance options. Pumpkin does not cover pre-existing conditions. While Pumpkin offers comprehensive plans, there might be less flexibility in customizing deductibles and coverage limits compared to some other pet insurers. The range of services may vary by location. Pumpkin does not currently offer a discount for insuring multiple pets.

Trupanion is a well-established pet insurance company that offers medical insurance for pets, providing coverage for unexpected illnesses and injuries. Trupanion can pay veterinarians directly within their network in minutes at the time of checkout. Trupanion offers no caps on payouts, which means there are no annual, lifetime, or per-incident limits on the coverage for covered conditions. Trupanion covers 90% of eligible veterinary costs after the deductible. Trupanion simplifies the selection process with a single comprehensive plan that covers accidents, illnesses, hereditary and congenital conditions. Unlike annual deductibles that reset each year, Trupanion offers a per-condition deductible that only needs to be met once for the lifetime of the pet for each new condition, which can be cost-effective for chronic issues. Trupanion provides round-the-clock customer service as needed.

Trupanion's comprehensive coverage and unlimited payout structure can lead to higher premiums compared to some other pet insurance providers. It does not offer wellness coverage. Trupanion has a 5-day waiting period for injuries and a 30-day waiting period for illnesses.

While the per-condition deductible can be beneficial for chronic conditions, it might be costlier upfront for pets that develop multiple distinct conditions in a short period. Trupanion does not cover pre-existing conditions and does not offer a multi-pet discount.