Is Pet Health Insurance Recommended?

Health Insurance is an individual decision and there is no magic formula that will tell you if it's right for you and your pet.  If you are considering pet insurance, talk to your veterinarian about different options to see if pet insurance is something you may consider.  Here are some considerations:

• Talk to your vet about the different Pet Health Insurance providers they recommend and do a comparison of what they offer, as each company's coverage may be different.
• Generally, the more basic coverage will take care of routine office visits, check-ups and diagnostics while more advanced coverage might include prescriptions, procedures, surgery's, and treatments for diseases.
• The insurance provider should clearly spell out to you the details, including the limitations and exclusions, of coverage for routine and/or wellness care as well as emergency treatments and conditions that require extensive care. Find out how your premiums will be increased as your pet ages or if you make any claims.
• See if they have add-on options to provide any specific coverage (e.g., dental care, travel insurance, etc.) you may want.
• Find out how they define and handle pre-existing conditions (diseases or conditions your pet already has – or has had – prior to purchasing the insurance plan).
• In some cases, insurance providers will not insure a specific pet or breed of pet, or may limit the number of pets you can insure, if they consider them "high risk."
• Some providers will give multiple pet discounts.
• All of the charges, including co-pays, deductibles, add-on charges and other fees, should be clearly explained to you so you fully understand the policy and its limitations.
• You should be allowed to choose the veterinarian who will provide veterinary care for your pet.
• Pet insurance plans are generally reimbursement plans – you pay the bills up front and are reimbursed by the insurance provider. Ask the insurance provider how claims are processed as well as the timeframe for reimbursement of your expenses so you know what to expect. If you're concerned about covering the expenses up front, ask your veterinarian about payment options that will work for you in case you need to make arrangements.
• Your veterinarian should provide you with a recommended pet insurance company based on their experience, but it's ultimately your decision whether or not to purchase pet insurance.

​Below is a list we have complied that provide pet insurance. The list is intended to provide information and links to help you investigate and make an informed decision if insurance is right for your pet. As always, discuss with your veterinarian for further questions about pet insurance.
AKC Pet Insurance​
ASPCA Pet Health Insurance
Best Friends Pet Insurance
Embrace Pet Insurance
Figo Pet Insurance
Healthy Paws
PetFirst Healthcare
Pets Best
Petplan
PurinaCare
Trupanion
VPI

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