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Pet Insurance The health of your furry friend or family member is of paramount importance, and the right pet insurance can help ensure they remain healthy and happy for years to come. Figo is an outstanding provider of comprehensive and unlimited coverage plans. And Lemonade checks these boxes and more to provide you with insurance that fits both your pet and your budget.
ASPCA Pet Health Insurance
The ASPCA offers comprehensive coverage for both dogs and cats, with options for curable pre-existing conditions and no age limit, making it an option for older pets. Policies are flexible and allow you to choose from a variety of reimbursement rates and annual limits. They cover just about everything you could ask for, including accidents, illnesses, and genetic disorders, with optional wellness add-ons for regular care.
However, it’s important to consider long-term coverage, as claims processing can be slower than its competitors and premiums tend to increase as your pet gets older.
Figo
Figo is a great pet insurance provider with 100% reimbursement plans and no lifetime limits, making it ideal for pet owners looking for extensive long-term coverage. This policy also covers alternative treatments such as acupuncture and chiropractic care that may be beneficial for pets with special health needs. Additionally, you have the benefit of a user-friendly mobile app that simplifies the claims process.
On the downside, regular care isn’t included in the basic plan, so your premiums may be higher if you choose unlimited coverage. Also, while the app is useful, customer service hours are limited, which may be a drawback for some people.
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Embrace offers strong coverage for both dogs and cats, with an impressive diminishing deductible that reduces by $50 for each year you don’t make a claim. Their insurance also includes coverage for breed-specific and genetic diseases, making them a great option for pets prone to genetic issues. Embrace also offers an optional wellness rewards program that covers routine care like vaccinations and teeth cleanings.
That said, regular care requires additional premiums, and premiums tend to increase as your pet ages.
spot
Spot brings highly customizable plans to the pet insurance game, allowing owners to tailor coverage to suit different needs and budgets. This flexibility is attractive whether you want basic accident coverage or more comprehensive protection that includes wellness care. Spot also has no upper age limit for registration, which is a plus for older pets.
Conversely, adding wellness care can increase spot premiums, and comprehensive coverage can also cost more. Spot is especially suitable for pet owners who value the ability to adjust coverage levels over time.
fetch
Fetch focuses on providing personalized care for both dogs and cats and offers comprehensive coverage. Their plans include coverage for treatment of behavioral problems as well as alternative therapies such as acupuncture and chiropractic care. Fetch also emphasizes thorough dental coverage, which is often not included in these insurance plans.
However, routine care is not covered unless you add it as an additional charge, and premiums tend to be higher if you choose more extensive coverage.
lemonade
Lemonade is our pick for the most affordable pet insurance company with competitive monthly premiums and flexible policies with up to 90% reimbursement rates. Comprehensive coverage includes both routine care and emergency treatment, making it ideal for most cats and dogs. Lemonade’s user-friendly app also helps you manage your billing and general plans.
Lemonade, on the other hand, is a relatively new provider and its service is not currently available in all states.
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Pets Best is a reputable pet insurance provider that offers great reimbursement rates, flexibility, and comprehensive plans. The policy covers a wide range of services from routine care to emergency care. Pets Best stands out with its optional wellness add-ons, allowing for coverage customized to your specific budget and health requirements.
That being said, Pets Best is a little shaky when it comes to basic coverage for genetic conditions, and furthermore, reimbursement rates vary based on the age and health of your pet.
