How to Keep Your Pets Safe in an Emergency
Emergency pet insurance is vital if you want to keep your loved ones safe and healthy at all times. It covers the care and rehabilitation of your domestic animal in the case of an accident or illness. Owners are often handed hefty bills after their pets receive emergency care. Insurance lowers the risk of you paying extortionate vet bills in substitute for a monthly or annual fee.
Let's look at some of the best emergency pet insurance providers to choose from.
1. PetPlan
PetPlan is a popular pet insurance provider with one of the smallest monthly costs, so it's ideal for owners on a tight budget. Monthly fees start at $18 and offer a benefit limit of $25,000.
PetPlan is the chosen provider of the American Animal Hospital Association, so you know you’re in good hands. Head over to their website for more information and online sign up and be sure to look for offers and deals.
2. ASPCA
The American Society for the Prevention of Cruelty to Animals (ASPCA) is a reputable pet insurance provider with reasonable fees and great benefits. Although predominantly known for their animal rescue and recovery programs, they provide one of the broadest coverages out there, allowing pet owners the flexibility and range of coverage needed.
Depending on the package you choose, prices will vary and can be paid in either annual sums or monthly installments.
3. Figo
Figo specifically focuses on pet care and insurance, with a wide range of plans and coverage to choose from. They have specific dog and cat insurance plans available to help the majority of pet owners find suitable plans easily.
Figo also offers 24/7 online access with veterinary professionals so that you can ease any concerns from the comfort of your own home. You can get a free quote and personalized pet care plan on their website.
4. Many Pets
Many Pets is a great all-rounder option for any pet owner looking for insurance. They cover up to $15,000 worth of vet costs, including dental illness cover, which many pet insurance providers miss out. They also offer a perks program, where customers can access discounts off pet food, care products and pet-sitting memberships.
Many Pets will take your animal’s species, unique medical background, age, breed and location into account when calculating a quote for you.
5. Everypaw
Everypaw specializes in pet insurance coverage for dogs, so it’s perfect if you’re looking for specialized insurance. They offer multi-pet discounts, covering a whole household of dogs for a lower price.
Everypaw has great reviews, with 5-star ratings and 98% of all claims paid within five days. They offer lifetime pet insurance, which automatically renews your subscription every year. This makes it easier for owners and ensures your pet will never run out of cover.
Each plan varies in price and coverage, so head to their website to see how much your unique insurance plan will cost.
6. Embrace
Embrace is a flexible and generous insurance provider, with an unlimited annual maximum coverage. Unlike many providers who charge extra, Embrace offers cover for curable pre-existing conditions.
Their plans are fully customizable and dependent on the pet and the owner’s needs. However, Embrace does not cover supplements or prescription dietary requirements unless you add on their wellness plan. If this sounds like a good option for you, look on Embrace’s website for a quote.
7. Hartville
Hartville offers unlimited annual coverage and covers most pre-existing curable conditions. They can offer customers a variety of coverage options including the possibility of wellness add-ons and alternative and behavioral therapies.
Similar to Embrace, Hartville is a customizable insurer and provides the option for short-term coverage starting from eight weeks.
If you're looking for coverage for dogs specifically, Hartville’s plans start from $32 per month for younger dogs and $77 per month for older dogs. For cats, plans start at $18 per month for younger kittens and $33 for older cats.
8. Spot
Spot pet insurance is a thorough and inclusive option for owners looking for in-depth coverage. They cover things like prescription food and behavioral therapy which many insurers do not. However, Spot will not pay your bills directly through your vet. Instead they reimburse you after you have paid the fee and have proof of doing so. Although this is more work, it is perfect for those with older or rescue pets that need a little more coverage.
Spot offers insurance starting from $32 per month for dogs and $18 for cats. However, consider that these quotes offer minimal coverage, so if you require specific coverage, you will likely pay extra.
Final Thoughts
There are many considerations when choosing a provider for emergency pet insurance. Many plans are customizable and flexible to work around your pet’s unique needs and conditions and depending on your budget and requirements, there are plenty of options to choose from.