What is it?
Pet
insurance is very similar to human health insurance, except it is tailored to fit your pet’s needs. There are numerous plans available and coverage options that
can be customized dependent upon the animal and prior health conditions. Below
the three most common pet insurance plans are described:
Pet's Best Pet Insurance
Pet's Best Insurance offers four different types of pet insurance plans, plus a routine care option. All levels of insurance cover accidents, illness and hereditary/congenital ailments. The differentiators with Pet's Best Insurance are that you choose your annual deductible level ($0-$1000) as well as your reimbursement level, from 70-100%, and Holistic Care coverage exists with all plans.
Pet's Best also offers three focused plans as defined below:
Feline Illness Plan:
- Includes diagnosis and treatment of common feline chronic illnesses like diabetes and kidney failure
- Excludes undiagnosed conditions, accidents, routine care, acupuncture and chiropractics
- $4,000 annual limit/$10,000 lifetime limit
Accident Only:
- Includes treatment of accidents including X-rays, surgeries, hospitalization and medications related
- Excludes illnesses, routine care, acupuncture and chiropractics
- $10,000 annual limit/$20,000 lifetime limit
Cancer Only:
- Includes diagnosis and treatment of cancer including bloodwork, surgeries, medication and chemotherapy
- Excludes other illnesses, accidents, routine care, acupuncture and chiropractics
- $8,000 annual limit/$30,000 lifetime limit
Pet's Best offers a $0 deductible option and has no age limit for new or existing coverage. Your pet will *not* be dropped as he/she ages. Find more information at www.petsbest.com or contact Bill Smock Insurance, where a portion of your policy premium is donated to Brown Dog Foundation!
VPI- Nationwide Pet
Insurance
Injury Plan (Emergency)
Covers Accidents Only
-Pays for
injuries such as broken bones
-Covers
accidents such as poisonings
- Maximum
benefit of $14,000/year
Medical Plan Economical
Covers Accidents and Illnesses
-
Covers
everything in the injury plan + illnesses
-
Covers
chronic illnesses
-
Maximum
benefit of $7000/year
Major Medical Plan Comprehensive
Covers accidents, illnesses, and
hereditary conditions
-
Covers
everything in the medical plan economical
-
Includes
benefits for limited hereditary coverage after the first year
-
Maximum
benefit of $14000/year
Careguard
-
Can
be added to any of the above plans
-
Includes
additional benefits related to pet welfare including (exams, vaccinations,
heartworm preventative, and dental cleaning)
-
Ranges
in price from $12-$22/month
** Please
note that existing conditions are not covered if condition started prior to
animal having insurance. Also, ligament injuries are only covered after having
insurance for 1 year.
Benefits
All of the
above insurance policies agree to not drop any pet regardless of age or number
of claims filed a year. There are flexible deductibles for each plan. Owners
have the freedom to choose which vet or animal emergency services location for
service. Benefits renew each year in full.
How Do I Apply
An online
application can be completed at www.petinsurance.com.
Select “get a quote” from the homepage. The process is very simple and takes
about 5 minutes to complete. The quote will be based off of your area, dog
breed, dog age, and deductible option.
Trupanion Pet Insurance
Trupanion
only offers one all inclusive insurance plan. However, there are multiple
add-on options that make this company unique from other pet insurance
providers. Please see the below:
Additional Care Package:
-
Includes
hydrotherapy, chiropractic, and acupuncture services
-
Includes
several non-traditional services for dogs
-
Ranges
from $9.95-$35/ month
Pet Owner Assistance Package:
-
Covers
boarding fees
-
Pays
for rewards and advertising costs up to $500 if pet is lost/stolen
-
Pays
for damages up to $25000 due to property damage from your pet
Trupanion
also offers a $0 deductible option. Find more information at www.trupanion.com.
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