Pet InsurancePet health insurance is a valuable tool for pet owners who are concerned about financing their pet’s lifetime wellness and/or emergency care. Superior veterinary care is vital in helping our furry companions maintain the healthiest lifestyle we can possibly provide for them. The cost of providing this veterinary care can often times be overwhelming for pet owners.

Although there are no companies that our hospital specifically recommends, there are some helpful tips from AAHA (American Animal Hospital Association) that may make the task a little less daunting:

Based on our experience, the earlier your pet is enrolled with a good health insurance provider, the less likely you will be to encounter denied claims due to “pre-existing conditions.” Puppies and kittens are great candidates for pet health insurance because most of the policies available will cover the full or partial cost of the spay/neuter as well as vaccines.

Health insurance for older pets is also widely available, but be sure to review the policy in detail so that you are aware of what coverage you are paying for. The biggest complaint from pet owners who buy insurance for their older pet is finding out that the pet is not covered as they expected.

When shopping for pet health insurance, there are many choices for companies and coverages. Since the need for protection has become more in demand in recent years, the decision making can be confusing. The best way to compare companies and coverage is to select a policy that offers what you’re looking for:

The following tips may help in selecting the ideal policy for your best friend:

  • It’s not practical to buy a policy that won’t pay when you need it. So it is important to know whether your pet has a pre-existing condition that may or may not be covered. Be sure to ask the insurer about that specific coverage.
  • Check to see if the insurer excludes specific breeds or charges a higher premium for your breed.
  • Review any age restrictions for coverage. (i.e. Some insurers require your pet to be 8 weeks old.)
  • If you have more than one pet, ask your insurer if they offer a multiple-pet discount.

Make sure you understand what you are buying. Some policies cover:

  • Accidents only
  • Accidents and Illnesses
  • Preventive care (including checkups, vaccinations, and neutering) as well as Accidents and Illnesses.

Review the deductibles, co-pays and caps on coverage. For example, some insurers will pay 80% of the costs for treating your pet’s illness, others will pay 100%. Make sure you select an insurer that provides the coverage you need.

As previously mentioned, while our hospital does not endorse any pet health insurance companies in particular, the following is a list of insurers with customer satisfaction ratings as well as links to their individual websites. This list and the tips listed above can be found on the following website:

Current Customer Ratings:

US Insurers
Embrace Average customer rating: 9.05 Read Embrace reviews
Hartville/ASPCA Average customer rating: 5.86 Read Hartville/ASPCA reviews
PetCare US Average customer rating: 4.17 Read PetCare reviews
Petfirst Healthcare Average customer rating: 8.56 Read Petfirst reviews
PetPlan US Average customer rating: 9.27 Read PetPlan reviews
Pet Assure Average customer rating: 7 Read Pet Assure reviews
Pet Partners (AKC) Average customer rating: 4.66 Read Pet Partners (AKC) reviews
Pets Best Average customer rating: 7.48 Read Pets Best reviews
PurinaCare Average customer rating: 9.05 Read PurinaCare reviews
Trupanion Average customer rating: 8.52 Read Trupanion reviews
VPI Average customer rating: 4.98 Read VPI reviews