In recent years, people have started understanding the importance of insuring their pets. The pet insurance field is as specialized and sophisticated as one would imagine the human insurance sector to be. Due to the advancements in veterinary science, it is possible to treat the pets with radiation therapy, carry out transplants and also perform MRI scans. However, the advancements have also lead to the rise in the expenses of treatments.
Pet Insurance Plans
Pet insurance plans vary with the degree of coverage they provide, age of the pets and the breed to which they belong. With the help of right plans, pet care becomes much more easier. One should thus, be careful while choosing between various plans offered by different companies.
Pet Insurance Comparison
The Embrace, PetPlan, Veterinary Pet Insurance and Pets Best Insurance are some of the top companies operating in the field of pet insurance. The following paragraphs provide information about pet insurance quotes and related information of different companies operating in the market. In order to compare pet insurance companies, it would be better to study the plans offered by them.
American Society for the Prevention of Cruelty to Animals (ASPCA): It is one of the important pet insurance providers in the US. The pet insurance is provided in 4 levels by this institution. Accident coverage is the main characteristic of the Level 1 (Accident Coverage). It covers the expenses of diagnostic procedures, prescription medications, hospitalization, X-ray, Lab tests and surgeries that are related to accidents. The annual deductible is as low as $100 and the limits are set upon the coverage that is selected. The monthly premium is $9.50 and $7.50 for dogs and cats respectively. The Level 2 (Illness Coverage) is an illness coverage plan which provides insurance for medications during illness. The monthly premium is $17.50 and $12.50 for dogs and cats respectively. The prescription medications, diagnostic procedures, lab tests, X-rays, dental services and hospitalizations are covered in this plan. The Level 3 (Wellness Coverage) is a complete wellness plan which includes vaccinations, annual check-ups, neutering, etc. The plan provides coverage for rabies vaccination, spaying and neutering, coronavirus vaccinations, annual physical exam, fecal exam, canine and feline distemper combo vaccinations and heartworm testing. The monthly premiums for cats and dogs are $25.50 and $33.50 respectively. The Level 4 (Wellness Plus Coverage) is a comprehensive health coverage plan with includes illness, accident and deluxe wellness coverage. It covers lyme vaccine, leukemia test, bordetella vaccine, annual dental cleaning, feline leukemia vaccine, feline infectious peritonitis vaccine and flea and heartworm preventive medication. The Level 4 plan costs $51.00 and $59.00 for cats and dogs respectively.
Petplan USA: It is a pet insurance company based in Philadelphia, USA, and was founded in the year 2003. As per the policies of Petplan, all the hereditary conditions are fully covered without any time limit or expenses per condition. Prompt service and customer satisfaction is the distinguishing characteristic of Petplan USA. The 'Gold Plan' offered by the company covers the expenses of hospitalization, diagnostic testing (X-rays, MRIs, endoscopy, etc.), root canal, tooth extraction, medications and even complimentary & alternative medicines (hydrotherapy, acupuncture, chiropractic treatment, etc.). The company also provides additional benefits such as the reimbursement of $500 required for advertising if the pet goes missing. The boarding fees of $500 in case, there is no one to look after the pet during emergencies (the pet owner is hospitalized), is also provided. A maximum of $1000 payout is offered by the company, if the owner has to cancel his vacation owing to the pet's injury or life-threatening illness. Compensation of $1000 is granted if the pet is lost while straying. The maximum benefit that one could avail in a single year is $20,000. The pet insurance cost or monthly premium for this plan is $28.31. The pet insurance deductible for every claim made by the pet owner is $200.
Embrace Pet Insurance: The 'Embrace Pet Insurance' plan offered by the company provides many benefits to the pet owner. The insurance plan covers the costs or expenses incurred in hospitalization, surgery, chemotherapy, acupuncture, diagnostic tests (blood, fecal, urine and ultrasound), MRI & CT scans and medications. The expenses for the treatment of congenital and genetic conditions too are covered under the plan. The additional benefits of buying this plan are that a 'Continuing Care Coverage' and 'Dental Illness Additional Coverage' is offered. The dental coverage pays for prescription medications and not for teeth cleaning or other non-prescription drugs. The continuing care coverage benefit takes care of the expenses of the medical conditions which occur within a policy period. A maximum of 25% costs are covered annually. The monthly premium for the plan is $25.86 and the maximum benefit of up to $10,000 is provided. The amount that is deducted for every claim is $200. Read more on pet health insurance.
Pets Best Insurance: The 'Pets First Plan' offered by the company covers the veterinary bill expenses related to injuries, accidents, illnesses, emergency visits, hospitalization, surgeries, cancer treatment, prescription medications and diagnostic tests (X-ray and MRI). If the client is ready to pay an extra amount of $1 per month, the benefit of fixed premium (lock-in rate) is offered. As per the scheme, the monthly premium doesn't exceed or increase till the dog becomes 8 year old or the cat reaches the age of 12 years. The costs or expenses covered for hereditary conditions, behavioral conditions and pre-existing conditions are $200, $100 and $100 respectively. The costs incurred for special diets, cosmetic procedures, vitamins and supplements are not covered under this plan. However, one could avail the benefits of the 'Best Wellness Option' by paying an additional $17 per month. The monthly premium for this plan is $37.22 while the deductible per claim is $75. One can avail a maximum benefit of $7000 through this plan. Read more on pet health.
Veterinary Pet Insurance: The 'VPI Superior Plan' offered by the company covers more than 6,400 conditions or medical problems including poisoning, accidental injuries and illnesses. The additional benefits of the 'VPI Superior Plan' includes diagnosis, anesthesia, chemotherapy and diagnostics. If the pet is referred to a board of specialist, the expenses of diagnostic tests such as MRI or ultrasound are also covered. The monthly premium is $27.50 and the maximum benefit of $14,000 could be availed through this policy.
The pet insurance comparison charts are also a good source of information about the policies and plans of the various insurance companies. The online pet insurance quotes help us in making informed decisions about selecting a particular policy or plan. One should thus, gather the necessary information before buying an insurance plan for his pet.
Pet Insurance Plans
Pet insurance plans vary with the degree of coverage they provide, age of the pets and the breed to which they belong. With the help of right plans, pet care becomes much more easier. One should thus, be careful while choosing between various plans offered by different companies.
Pet Insurance Comparison
The Embrace, PetPlan, Veterinary Pet Insurance and Pets Best Insurance are some of the top companies operating in the field of pet insurance. The following paragraphs provide information about pet insurance quotes and related information of different companies operating in the market. In order to compare pet insurance companies, it would be better to study the plans offered by them.
American Society for the Prevention of Cruelty to Animals (ASPCA): It is one of the important pet insurance providers in the US. The pet insurance is provided in 4 levels by this institution. Accident coverage is the main characteristic of the Level 1 (Accident Coverage). It covers the expenses of diagnostic procedures, prescription medications, hospitalization, X-ray, Lab tests and surgeries that are related to accidents. The annual deductible is as low as $100 and the limits are set upon the coverage that is selected. The monthly premium is $9.50 and $7.50 for dogs and cats respectively. The Level 2 (Illness Coverage) is an illness coverage plan which provides insurance for medications during illness. The monthly premium is $17.50 and $12.50 for dogs and cats respectively. The prescription medications, diagnostic procedures, lab tests, X-rays, dental services and hospitalizations are covered in this plan. The Level 3 (Wellness Coverage) is a complete wellness plan which includes vaccinations, annual check-ups, neutering, etc. The plan provides coverage for rabies vaccination, spaying and neutering, coronavirus vaccinations, annual physical exam, fecal exam, canine and feline distemper combo vaccinations and heartworm testing. The monthly premiums for cats and dogs are $25.50 and $33.50 respectively. The Level 4 (Wellness Plus Coverage) is a comprehensive health coverage plan with includes illness, accident and deluxe wellness coverage. It covers lyme vaccine, leukemia test, bordetella vaccine, annual dental cleaning, feline leukemia vaccine, feline infectious peritonitis vaccine and flea and heartworm preventive medication. The Level 4 plan costs $51.00 and $59.00 for cats and dogs respectively.
Petplan USA: It is a pet insurance company based in Philadelphia, USA, and was founded in the year 2003. As per the policies of Petplan, all the hereditary conditions are fully covered without any time limit or expenses per condition. Prompt service and customer satisfaction is the distinguishing characteristic of Petplan USA. The 'Gold Plan' offered by the company covers the expenses of hospitalization, diagnostic testing (X-rays, MRIs, endoscopy, etc.), root canal, tooth extraction, medications and even complimentary & alternative medicines (hydrotherapy, acupuncture, chiropractic treatment, etc.). The company also provides additional benefits such as the reimbursement of $500 required for advertising if the pet goes missing. The boarding fees of $500 in case, there is no one to look after the pet during emergencies (the pet owner is hospitalized), is also provided. A maximum of $1000 payout is offered by the company, if the owner has to cancel his vacation owing to the pet's injury or life-threatening illness. Compensation of $1000 is granted if the pet is lost while straying. The maximum benefit that one could avail in a single year is $20,000. The pet insurance cost or monthly premium for this plan is $28.31. The pet insurance deductible for every claim made by the pet owner is $200.
Embrace Pet Insurance: The 'Embrace Pet Insurance' plan offered by the company provides many benefits to the pet owner. The insurance plan covers the costs or expenses incurred in hospitalization, surgery, chemotherapy, acupuncture, diagnostic tests (blood, fecal, urine and ultrasound), MRI & CT scans and medications. The expenses for the treatment of congenital and genetic conditions too are covered under the plan. The additional benefits of buying this plan are that a 'Continuing Care Coverage' and 'Dental Illness Additional Coverage' is offered. The dental coverage pays for prescription medications and not for teeth cleaning or other non-prescription drugs. The continuing care coverage benefit takes care of the expenses of the medical conditions which occur within a policy period. A maximum of 25% costs are covered annually. The monthly premium for the plan is $25.86 and the maximum benefit of up to $10,000 is provided. The amount that is deducted for every claim is $200. Read more on pet health insurance.
Pets Best Insurance: The 'Pets First Plan' offered by the company covers the veterinary bill expenses related to injuries, accidents, illnesses, emergency visits, hospitalization, surgeries, cancer treatment, prescription medications and diagnostic tests (X-ray and MRI). If the client is ready to pay an extra amount of $1 per month, the benefit of fixed premium (lock-in rate) is offered. As per the scheme, the monthly premium doesn't exceed or increase till the dog becomes 8 year old or the cat reaches the age of 12 years. The costs or expenses covered for hereditary conditions, behavioral conditions and pre-existing conditions are $200, $100 and $100 respectively. The costs incurred for special diets, cosmetic procedures, vitamins and supplements are not covered under this plan. However, one could avail the benefits of the 'Best Wellness Option' by paying an additional $17 per month. The monthly premium for this plan is $37.22 while the deductible per claim is $75. One can avail a maximum benefit of $7000 through this plan. Read more on pet health.
Veterinary Pet Insurance: The 'VPI Superior Plan' offered by the company covers more than 6,400 conditions or medical problems including poisoning, accidental injuries and illnesses. The additional benefits of the 'VPI Superior Plan' includes diagnosis, anesthesia, chemotherapy and diagnostics. If the pet is referred to a board of specialist, the expenses of diagnostic tests such as MRI or ultrasound are also covered. The monthly premium is $27.50 and the maximum benefit of $14,000 could be availed through this policy.
The pet insurance comparison charts are also a good source of information about the policies and plans of the various insurance companies. The online pet insurance quotes help us in making informed decisions about selecting a particular policy or plan. One should thus, gather the necessary information before buying an insurance plan for his pet.
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