Top 5 Dog Insurance Companies
Selecting the ideal pet insurance company is a critical decision. Make sure to invest enough time in research and comparison of options so you can make an informed choice.
The top dog insurance companies listed below provide comprehensive coverage for a variety of risks. Plus, they let you customize your deductible and reimbursement percentage so that you have full control over the health care expenses for your furry friend.
Trupanion
Trupanion has earned an excellent reputation and is one of the top pet insurance providers in North America, having been around for 15 years and growing rapidly. Their website and app make it simple to get a quote, review policy details, and submit claims - making Trupanion one of the leading providers in this space!
It boasts an impressive TrustScore of 4.5 on TrustPilot, placing it in the "Excellent" range of ratings. Furthermore, its Better Business Bureau rating of 3.14 stands as a testament to its quality.
This company is ideal for pet parents who require comprehensive pet insurance that covers all accidents, illnesses, and injuries. It also covers breed-specific and congenital issues as well as offering optional riders to cover boarding fees or damage your pet causes to someone else's property.
Trupanion offers comprehensive coverage for accidents and injuries, as well as a Recovery and Complementary Care add-on that includes services like acupuncture, behavioral modification, hydrotherapy, and chiropractic treatment. Furthermore, they provide a free look period so you can try out the policy without making any commitments.
Another major advantage of Trupanion is that it doesn't raise premium prices based on pet age. This makes it more cost-effective for younger animals, who tend to require more insurance than older ones.
Our price survey revealed that the company's single plan covers accidents and illness, with reimbursement of 90% of vet costs - the highest percentage we found. Furthermore, there are no per-incident, annual or lifetime caps on reimbursement - perfect if your pup develops a serious disease or injury.
Most pet insurance companies operate on a reimbursement model, meaning you pay for your pet's veterinary care and then wait to be reimbursed. Most require a deductible before covering any costs, and some impose annual or lifetime limits on payouts.
Trupanion is one of the few companies to offer direct-pay options for veterinarians, meaning you pay the vet directly before being reimbursed. This model is more convenient and rapid than paying a vet and waiting for their reimbursement check to come through.
The company provides a 30-day free look period, giving you the chance to evaluate their coverage before committing. Furthermore, you are free to cancel your policy at any time with no loss of unused benefits.
Pumpkin
Pumpkin is one of the leading pet insurance providers in America, offering plans designed to help owners cover the rising cost of vet care for their dogs and cats. With these plans, owners can easily afford to provide for the needs of their furry family members.
They provide a range of options, such as accident and illness coverage as well as preventive health care. Furthermore, they have a money-back guarantee that allows you to get your refund if you're not satisfied with their services.
Their plans offer a 90 percent reimbursement rate, slightly higher than the industry average. This means you'll save money in the long run if you have multiple pets covered under one policy.
In addition to accidents and illnesses, Pumpkin offers a preventive care add-on that includes wellness exams and vaccinations. This is an ideal choice for pet parents who want to ensure their animals remain healthy throughout the year.
Preventive health care is an integral component of any pet's wellness plan. That's why we collaborated with vets to create Preventive Essentials - an optional add-on that can be added to your policy at a discounted monthly premium price.
The company boasts an industry-leading 30-day money-back guarantee that allows you to cancel your policy and get a full refund if you have not yet received approval or payment for a claim. Furthermore, Pet Insurance Policies from various Providers Are Accepted in case you find one that meets all of your needs.
For instance, they cover acupuncture treatments, stem cell therapy, and behavioral therapies - a major advantage over competitors who usually exclude these services or reimburse at a reduced percentage of the price.
Additionally, they offer a 14-day waiting period for accidents and illnesses compared to the traditional six months that other companies require. This is ideal for breeds of dog and cat that tend to develop joint issues like hip dysplasia or luxating patella, which could otherwise go unchecked.
Customer service can be reached Monday through Friday between the hours of 8 AM and 8 PM Eastern Standard Time (EST). They usually respond within a day or two.
Healthy Paws
Healthy Paws is a pet insurance provider that provides accident and illness coverage for dogs and cats. Additionally, they donate to nonprofit organizations that assist sick and homeless pets.
Chubb Insurance underwrites all policies for this company, so you can rest assured knowing your policy is financially sound. They offer a straightforward claims process and no per-incident or annual caps.
There are certain limits on how much coverage you can claim for your pet, depending on their age and location. These conditions include a waiting period and a 12-month limit on hip dysplasia coverage for dogs under six years old.
If your pet is older than 6 years, there are lower reimbursement rates and higher annual deductibles available. You have the flexibility to adjust these settings according to your pet's individual needs.
Most Healthy Paws plans have a 15-day waiting period for accident and illness claims, which is standard in the industry. If your pup or cat is under six years old, however, that period is shortened significantly.
Healthy Paws offers several ways to submit a claim: the website, mobile app, or customer service center. They also accept claims via email, fax, or post.
Claim processing can be relatively quick, though reimbursement can take up to 10 days. You have two options for payment: check or direct deposit. Ultimately, the time it takes for a check to clear depends on your bank.
One major disadvantage of Healthy Paws is their lack of wellness plans, which would cover routine vet visits and preventative care expenses like vaccinations or exam fees. Other companies provide both an accident and illness plan and wellness plan as part of their pet insurance package, making it easier to compare plans and prices.
Another disadvantage of Healthy Paws is that it does not cover pre-existing conditions for cured ones. While some pet insurance providers will consider these to be cured when no longer showing symptoms or signs, Healthy Paws does not follow suit with this policy.
Healthy Paws offers reliable accident and illness coverage at an affordable price point, without annual or lifetime limits so you can rest assured knowing your pet will be covered year after year.
Fetch
Fetch is a reliable pet insurance provider that offers an all-inclusive plan with various benefits. Their rates depend on your pet's age and breed.
Fetch's policy provides comprehensive coverage for accidents, illnesses, and chronic conditions. Up to your annual limit is paid toward veterinary costs associated with injury, illness, hereditary or chronic conditions; diagnostic testing; prescription diet foods; surgeries; rehabilitation therapies; alternative therapies - you name it! With Fetch, you're covered!
The company provides preventative care options such as the Wellness Rewards program. This initiative offers discounts on a range of items, such as pet food and supplements.
There is a monthly fee for this program, but you can reduce your premium by paying quarterly or annually. Furthermore, vets and staff are eligible for a 10% discount on their premium; veterans, active or retired personnel, AARP members, and shelter or rescue pets may all take advantage of discounts as well.
When enrolling in a Fetch pet insurance plan, you have several premium options and annual limits to choose from - including one with a higher deductible and lower reimbursement rate. The deductibles and annual limits depend on your pet's breed, age, and health status.
For instance, a 5-year-old mixed dog in excellent health could get a policy with $5,000 of coverage, a $250 deductible, and 80% reimbursement rate for $390 annually - more than the average premiums we compared among pet insurance companies.
Fetch Pet Insurance Company stands out by not requiring a deductible on all claims. You'll still have to cover the deductible plus copays for treatments that span across multiple policy periods - this can be an expensive burden on your wallet.
Fetch App makes submitting claims a breeze, with receipts, medical records, and paid invoices easily uploaded. Claims should be filed either online or by post within 90 days of treatment and include a list of covered expenses along with pre-filled claim forms for speedy processing.
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