Pet Insurance for the Love of Your Pets

iHeartPets

What is Pet Insurance?

Pet Insurance is peace of mind for your furry loved ones. It includes reimbursements for veterinary bills when you dog or cat gets injured or sick. Having affordable options for the best course of treatment during times of injury or sickness for your pets, while protecting you from major financial setbacks is something we all can’t afford not to have. Just as we have health insurance for our human family members, pet insurance provides the coverage necessary for your furry family members.

When to Get Pet Insurance?

The simple answer is… as soon as possible, when your pet is still healthy, because no pet insurance provider will cover pre-existing conditions. It also takes time for the pet insurance policy coverage to begin, so, the sooner you can get the pet insurance, the sooner you can ensure coverage for your furry loved ones with maximum benefit from the policy.

Why Do I Need Pet Insurance?

Today, veterinary medicine is more technologically advanced than ever and is sometimes human-grade, meaning the MRI machine used on your pets could be the same one used on you. That advancement of equipment, facilities, and training required to provide these higher-quality services, also comes with a higher price tag and if you don’t have pet insurance, it could become a financial burden that you are not prepared for.

Fortunately, there are many options for you to choose from and finding the right one for you and your furry loved one/s, is what we are here for.

Here are some basic considerations to keep in mind as you search for the right insurance provider:

  • Make sure the insurance provider clearly provides 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 increase as your pet ages or if you make any claims.
  • 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.
  • Look for add-on options to provide any specific coverage (e.g., dental care, travel insurance, etc.) you may want.
  • How do they define and handle pre-existing conditions (diseases or conditions your pet already has – or has had – prior to purchasing the insurance plan).
  • Is your specific pet or breed of pet covered by that insurance provider? Keep in mind some breeds are considered “high risk.”
  • Do they provide discounts for multiple pets?
  • Are there In/Out of Network veterinarians?
  • What does the claim process look like? How long will your reimbursement take? Pet insurance plans are generally reimbursement plans, meaning you pay the bills up front and are reimbursed by the insurance provider.

Compare Plans

Pets BestFounded by veterinarian Dr. Jack Stephens, Pets Best insures cats and dogs in every state and has paid nearly $178 million in claims since 2005. Pets Best is rated 9.6 out of 10 on TrustPilot and is recommended by veterinarians across the U.S.

PLAN FEATURES
5 Day Claims Processing Yes
Unlimited Annual or Lifetime Benefit Plan Yes
One Annual Deductible Yes
Optional Accident and Illness Exam Fee Coverage Yes
Routine Care Coverage Yes
Optional Vet Direct Pay Yes
24/7 Pet Helpline Yes
No Upper Age Limits on Accident & Illness Plans Yes

Get a Quote

PetplanPetplan has 40 years of global experience in offering care, support and value to pet owners with its comprehensive, fully customizable plan. It supports partner shelters, rescues and humane societies through the Petplan Fund.

PLAN FEATURES
5 Day Claims Processing Yes
Unlimited Annual or Lifetime Benefit Plan Yes
One Annual Deductible Yes
Optional Accident and Illness Exam Fee Coverage Yes
Routine Care Coverage Yes
Optional Vet Direct Pay No
24/7 Pet Helpline Yes
No Upper Age Limits on Accident & Illness Plans Yes

Get a Quote

Healthy PawsHealthy Paws offers one simple plan that covers accidents and illnesses and includes unlimited annual and lifetime payouts. They support hundreds of pet rescues and animal shelters through their Every Quote Gives Hope™ medical grant program.

PLAN FEATURES
5 Day Claims Processing No
Unlimited Annual or Lifetime Benefit Plan Yes
One Annual Deductible Yes
Optional Accident and Illness Exam Fee Coverage No
Routine Care Coverage No
Optional Vet Direct Pay Yes
24/7 Pet Helpline No
No Upper Age Limits on Accident & Illness Plans No

Get a Quote

Embrace Pet InsuranceEmbrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard.

PLAN FEATURES
5 Day Claims Processing No
Unlimited Annual or Lifetime Benefit Plan No
One Annual Deductible Yes
Optional Accident and Illness Exam Fee Coverage Yes
Routine Care Coverage Yes
Optional Vet Direct Pay Yes
24/7 Pet Helpline Yes
No Upper Age Limits on Accident & Illness Plans No

Get a Quote

TrupanionTrupanion makes things simple by offering one plan that pays 90% of actual veterinary costs for eligible claims once the deductible for that condition is met. They are the only provider that has the option to pay your veterinarian directly and can do so in 5 minutes or less, you simply take care of your portion and Trupanion will work with your veterinarian to pay the remainder.

PLAN FEATURES
5 Day Claims Processing Yes
Unlimited Annual or Lifetime Benefit Plan Yes
One Annual Deductible No
Optional Accident and Illness Exam Fee Coverage No
Routine Care Coverage No
Optional Vet Direct Pay Yes
24/7 Pet Helpline No
No Upper Age Limits on Accident & Illness Plans No

Get a Quote

ASPCAASPCA Pet Health Insurance® is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice.

PLAN FEATURES
5 Day Claims Processing No
Unlimited Annual or Lifetime Benefit Plan Yes
One Annual Deductible Yes
Optional Accident and Illness Exam Fee Coverage Yes
Routine Care Coverage Yes
Optional Vet Direct Pay Yes
24/7 Pet Helpline No
No Upper Age Limits on Accident & Illness Plans Yes

Get a Quote

As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care.

PLAN FEATURES
5 Day Claims Processing No
Unlimited Annual or Lifetime Benefit Plan Yes
One Annual Deductible Yes
Optional Accident and Illness Exam Fee Coverage Yes
Routine Care Coverage Yes
Optional Vet Direct Pay No
24/7 Pet Helpline Yes
No Upper Age Limits on Accident & Illness Plans Yes

Get a Quote

Compare Plans

Petplan

PetplanPetplan has 40 years of global experience in offering care, support and value to pet owners with its comprehensive, fully customizable plan. It supports partner shelters, rescues and humane societies through the Petplan Fund.

PLAN FEATURES
YES – 5 Day Claims Processing
YES – Unlimited Annual or Lifetime Benefit Plan
YES – One Annual Deductible
YES – Optional Accident and Illness Exam Fee Coverage
YES – Routine Care Coverage
NO – Optional Vet Direct Pay
YES – 24/7 Pet Helpline
YES – No Upper Age Limits on Accident & Illness Plans
Get a Quote

Pets Best

Pets BestFounded by veterinarian Dr. Jack Stephens, Pets Best insures cats and dogs in every state and has paid nearly $178 million in claims since 2005. Pets Best is rated 9.6 out of 10 on TrustPilot and is recommended by veterinarians across the U.S.

PLAN FEATURES
YES – 5 Day Claims Processing
YES – Unlimited Annual or Lifetime Benefit Plan
YES – One Annual Deductible
YES – Optional Accident and Illness Exam Fee Coverage
YES – Routine Care Coverage
YES – Optional Vet Direct Pay
YES – 24/7 Pet Helpline
YES – No Upper Age Limits on Accident & Illness Plans
Get a Quote

Healthy Paws

Healthy PawsHealthy Paws offers one simple plan that covers accidents and illnesses and includes unlimited annual and lifetime payouts. They support hundreds of pet rescues and animal shelters through their Every Quote Gives Hope™ medical grant program.

PLAN FEATURES
NO – 5 Day Claims Processing
YES – Unlimited Annual or Lifetime Benefit Plan
YES – One Annual Deductible
NO – Optional Accident and Illness Exam Fee Coverage
NO – Routine Care Coverage
YES – Optional Vet Direct Pay
NO – 24/7 Pet Helpline
NO – No Upper Age Limits on Accident & Illness Plans
Get a Quote

Embrace

Embrace Pet InsuranceEmbrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard.

PLAN FEATURES
NO – 5 Day Claims Processing
NO – Unlimited Annual or Lifetime Benefit Plan
YES – One Annual Deductible
YES – Optional Accident and Illness Exam Fee Coverage
YES – Routine Care Coverage
YES – Optional Vet Direct Pay
YES – 24/7 Pet Helpline
NO – No Upper Age Limits on Accident & Illness Plans
Get a Quote

Trupanion

TrupanionTrupanion makes things simple by offering one plan that pays 90% of actual veterinary costs for eligible claims once the deductible for that condition is met. They are the only provider that has the option to pay your veterinarian directly and can do so in 5 minutes or less, you simply take care of your portion and Trupanion will work with your veterinarian to pay the remainder.

PLAN FEATURES
YES – 5 Day Claims Processing
YES – Unlimited Annual or Lifetime Benefit Plan
NO – One Annual Deductible
NO – Optional Accident and Illness Exam Fee Coverage
NO – Routine Care Coverage
YES – Optional Vet Direct Pay
NO – 24/7 Pet Helpline
NO – No Upper Age Limits on Accident & Illness Plans
Get a Quote

ASPCA

ASPCAASPCA Pet Health Insurance® is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice.

PLAN FEATURES
NO – 5 Day Claims Processing
YES – Unlimited Annual or Lifetime Benefit Plan
YES – One Annual Deductible
YES – Optional Accident and Illness Exam Fee Coverage
YES – Routine Care Coverage
YES – Optional Vet Direct Pay
NO – 24/7 Pet Helpline
YES – No Upper Age Limits on Accident & Illness Plans
Get a Quote

Nationwide

As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care.

PLAN FEATURES
NO – 5 Day Claims Processing
YES – Unlimited Annual or Lifetime Benefit Plan
YES – One Annual Deductible
YES – Optional Accident and Illness Exam Fee Coverage
YES – Routine Care Coverage
NO – Optional Vet Direct Pay
YES – 24/7 Pet Helpline
YES – No Upper Age Limits on Accident & Illness Plans
Get a Quote
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Pet Insurance for the Love of Your Pets

Get a Quote

Cover up to 90% of your pet’s unexpected veterinary costs
with a Pets Best pet insurance plan with flexible coverage options, and no annual or lifetime limits.