Best Pet Insurance Services

Let’s elaborate a bit on the pricing plans since we find them to be a pretty big advantage that the Pets Best offers over the competitors. First off, the quotes they offer are substantially lower than what you usually see despite the fact that the features are pretty much the same. However, we’d still recommend springing for the highest tier. Not just because it’s cheaper than what you’d pay to competitors and has unlimited reimbursements. On this level, you can choose your deductibles and payment rates so that your money is spent shrewdly without finances ever being a factor in your pet’s care. Besides, the more basic plans actually do put substantial restrictions on the annual payouts, which may result in you picking and choosing which problems are worth the visit to the vet and that’s just not something we encourage. We believe that pet care is essential and worth the time and money.

Also, while the company doesn’t require a pre-coverage exam to determine your pet’s state of health, we highly recommend doing one. You don’t want something nasty like dysplasia to rear its head right after you’ve started paying the premiums as, if it’s discovered when you’re fully under the service’s coverage, you will get full medical services to deal with the ailment. However, should it appear in the “trial” period, you’ll have to address this issue using money out of your own pocket.

While we’re not in love with the quality of customer service that’s presented by the company (and neither are quite a few of the customers, judging by the reviews), that’s the kind of problem that’s easy to fix and doesn’t impact the overall experience all that much. Plus, the Pets Best Insurance Service makes up for it by offering stellar rates that are both affordable and, if you don’t mind springing for the higher tier, cover a pretty broad range of illnesses. Make sure that your pet doesn’t have even the smallest signs of ailments before you sign up, though, or coverage of that particular problem may be forfeit. To sum up, a good choice if you prepare well beforehand.

When a company is this good, it’s not unreasonable to look for some flaws, especially since it’s literally the service that your pet’s life depends upon. We couldn’t find that much to dislike, really, though the reimbursement does take a bit more to come through than it would from other companies. Still, what’s important is that you actually get the money and the Embrace comes through every time. Plus, it uses a “deductible then copayment” scheme for payouts, which usually ends up giving you a bit more in reimbursements so it all works out in the end.

Speaking about the cap on annual payouts, it stops at $30000. That is surely enough for small health claims and is likely to cover some serious illnesses with hefty hospital bills. However, there is one gripe that isn’t covered by anything. The full accident and illness insurance is available only for dogs and cats up to the age of 14. For pets that are 15 years or older, you can get accident-only insurance coverage.

As a nice touch, the Embrace company fully refunds your policy if you, for some reason, decide to cancel it within the first 30 days of use. So, actually you won't lose your money by giving the Embrace pet insurance a shot.

In conclusion, we can say that Embrace Pet Insurance offers a very good service for moderate costs. Its coverage is really comprehensive and the payouts are pretty large. We’d recommend this service for younger and older pets alike as the payout cap is likely to cover even serious hospital bills for older dogs that could require more expensive operations and treatments.

If you’d like to keep your pet healthy and happy without breaking the metaphorical piggy bank, the Embrace Insurance service is a pretty good option that will do finely for dogs and cats.

We don’t want to misrepresent the capabilities of the Pet Assure service so let’s quickly look at what the program covers and what is, for now, omitted. Firstly, any in-house medical procedures at the vet come with a 25% discount. That includes cancer treatments, tumor removal, dental procedures, and pretty much anything that’s directly tied to your pet’s health. The program does not, however, cover grooming or similar services, as it’s focused on the well-being of your animal, not how cute it looks. Plus, you also get a 15% discount on medication, food, and any other products bought at PetCareRX. Note, though, that this discount is only applied at that particular store and doesn’t extend to the medication you buy from your local vet or other pet stores.

It’s also important to remember that while a 25% discount is nice, it’s not exactly comparable to the 90% reimbursements you could get from an insurance company. But the Pet Assure service has no “fine print” exclusions and covers all procedures, including the most expensive ones, so you always get a deal instead of scouring through the insurance terms, trying to figure out if the next set of treatments is going to leave you penniless. Plus, you don’t have to pay any deductibles or premiums, it’s a flat fee of $99 annually for a single pet. Do note that, should you choose to pay monthly, a $20 transaction fee is applied, which we really disliked as it makes the monthly option way less economically viable.

In the end, if you look for straight-up savings on your pet care, the Pet Assure Discount Plan is a fine choice. You will always know exactly how much money you save on the treatment and yet the quality will never be compromised. There are no bureaucratic hoops to jump through in order to get the discount, since you simply present your ID to the doctor and the price is cut immediately. Moreover, you can use this for any type of pet, not just cats and dogs. The cheap overall price of the service combined with the wide coverage does make it a viable alternative to traditional pet insurance in our eyes, though the mileage may vary for you.

It’s tough to deny that most insurance companies like to take their sweet time getting you the reimbursement even on the most minor of issues. The Petplan Pet Insurance for dogs and cats does spend a few days reviewing your claims and getting everything ready but your money should get back in 5 to 15 days, with the longer period reserved for illnesses where the company has to examine the cost and the likelihood of additional expenses. All in all, a pretty speedy recovery, especially compared to the insurance for humans.

We also don’t like talking about a subject as unpleasant as pet illnesses but, since we’ve already mentioned the things that the Petplan doesn’t cover, it’s only fair to talk about the ailments that it takes care of. Once your pet passes the vet exam and falls under the company’s protection, the service will reimburse medical costs incurred by treatments for dental problems, cancer, chronic illnesses, purchase of prescription medication, and scans, including CAT and MRIs. Honestly, your pup or kitten will be safe from pretty much anything that has the potential to threaten its life and, since the premiums don’t increase depending on insurance claims but only based on how high you want the reimbursement to be and how much money you may need to receive in any given year.

Choosing the Petplan Insurance company means getting extensive coverage for illnesses both regular and hereditary, which is a great choice for those that put their pet’s safety first. However, it’s tough to deny that the steep price level might scare off some customers, especially since the company seems to increase their rates with every passing year. It all comes down to how worried you are about your dog or cat’s well-being and whether you have the disposable income for this insurance. We also recommend keeping up on your vet visits before trying to sign up for the coverage as any conditions that are first found during the service’s initial check-up won’t be covered. Overall, a pricey choice with quality to match, truly a premium-grade insurance for the most precious pups and kittens.

We also like the Healthy Paws veterinary pet insurance service because it’s hassle-free unlike many of its competitors. After your pet gets their treatment, you just take a photo of the invoice and submit it on the site or via the mobile app to get an instant claim. You do have to wait for a couple of days before it’s processed but you won’t have to take any extra steps, which is always nice.

It’s a shame that, despite offering flexible pricing options and customer-oriented services, the Healthy Paws does limit its reimbursement list to a pretty average array of procedures. For example, therapy for behavioral issues isn't’ covered at all despite it being a pretty common issue for younger pets. Alternatively, older pups are more accident-prone and yet some of the injuries and the resulting medical procedures will have to be covered out of your own pocket. It does make a bit of sense as your rates would simply skyrocket otherwise but it’s something you should read up on to make sure that the problems particular to your pet are actually covered. Thankfully, the website offers an extensive list that’s quite transparent about their services.

We do recommend taking your pup or cat to a vet before you sign up for the service. Firstly because it’s actually a requirement for animals aged 6 and above. Secondly, because that way you will know how healthy your buddy is at the moment and which coverage tier is worth paying for in your case.

If you aren't ready to settle for anything less than the best healthcare for your furred buddy, the Healthy Paws Pet Insurance service is the right choice for you. It doesn’t have to be too costly if you’re willing to lower your reimbursement rates and the coverage, while not the most extensive, is broad enough to be viable for pups and cats of all ages and breeds. The wait for a claim to be reviewed is pretty low compared to many of the competitors, and the prices, while above average, are still far more reasonable in terms of the benefits you get. Couple that with the lack of cap for accidents and treatments and what you get is a highly reasonable insurance service that will keep your pet safe and happy.