We've compiled the best pet insurance providers in the market. Compare their coverage to Spot and pick the best for you.
Last Updated: April 2024
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What Is Pet Insurance?
The reality is that no matter how great a pet parent you are, accidents do happen. And even when they don’t, things won’t always go according to plan. Pet insurance is designed to help cover costs for a wide variety of veterinary care and other expenses including puppy/kitten vaccines, contagious diseases, broken bones, diabetes, cancers, and more, so that you can spend less time worrying about bills and more getting your fur-ever friend the care they deserve.
Pet insurance is similar to traditional health insurance, with coverage for various routine and unexpected medical needs. Insuring your pet can provide a financial safety net against accidents, illnesses, and other situations that might affect your four-legged friend. When accidents or health problems inevitably occur, pet insurance policies can help owners save up to 90% off eligible veterinary bills.
How Does Pet Insurance Work?
Traditional insurance and pet insurance share similar payment structures in which policy owners pay a monthly premium for annual coverage and must meet an out-of-pocket deductible before the coverage applies. Amounts vary based on a number of factors including ongoing company promotions, coverage requirements, pet health, amount of pets insured, and more.
Here’s an example of how pet insurance can save you big on vet bills: Mr. Fluffy was excitedly digging around in the backyard and swallowed something not-so-edible. When you notice he’s uncharacteristically ignored both dinner and breakfast, and didn’t even get up to bark at the delivery driver, you decide it’s worth a trip to the vet. With a little bit of medicine and care, Mr. Fluffy is back to his lively, (and obnoxiously hungry), self. The bill comes in a couple days later totalling $1,200–but no worry! You’re prepared for accidents and unexpected vet visits like these with your pet insurance policy. And, since you already met your out-of-pocket deductible on Fluffy’s routine vaccines, you simply submit a claim and watch your bill reduce by 90% for a total of just $120.
What Coverage Does My Pet Need?
The type of coverage you need will vary based on your pet's age, breed, and individual health needs. Here are some ideas that may help you get a better idea of how you should customize your insurance policy:
Compare Top Insurers
Vet bills can be surprisingly expensive to new and seasoned owners because they depend on your pet’s unique personality, evolving health needs, and unpredictable events. A pet insurance policy can be a great way to budget these costs and potentially save thousands of dollars a year. It’s always a good idea to research and compare different insurance companies, coverage options, and any ongoing promotions to determine where you can get the best coverage and deals. View our list above to get started.
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