Compare Pet Insurance Plans – ASPCA Pet Insurance

We provide wellness plans that can be added to your pet insurance to cover routine pet health costs
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Sandy, we are here to educate many people think that all pet insurance is high, but there are so many different options that will help you find plans that will help fit the budget that you have and can afford. We are glad we can give you peace of mind and thanks for the feedback again.
Looking for the best pet insurance plans? It's easy to find the coverage that's right for you.
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Dan sorry to hear about your cat. Most insurance plans cover all types pf sicknesses and injuries. PetBest is great and is #3 on our list. Your wife is a smart lady. Thanks for the comment and glad the reviews have helped. Pet Insurance | Nationwide Pet Health Insurance Plans & Reviews
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Photo provided by FlickrCompare Pet Insurance Plans for Dogs, Cats & More from Nationwide
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Pet insurance plans cover the medical costs associated with illnesses and injuries that befall your pet. Most providers only cover dogs and cats, but a select few expand coverage to all types of animals. Policies function in much the same way as regular health insurance with deductibles, copayments, and lifetime, annual, or per incident benefit limits. Most pet insurance providers, however, do not communicate directly with your veterinarian and require you to pay out of pocket and wait for reimbursement. When deciding on a pet insurance provider it’s important to have a clear picture of the conditions covered and benefit limits particular to a given plan. For example, some companies might advertise “unlimited coverage,” but paradoxically have maximum amounts they will pay per incident or condition. You also should find out what conditions are specific to your pet’s breed and make sure the plan is willing to adequately pay for these. Though all plans have standard waiting periods for accidents and illnesses, be aware that some have per condition waiting periods for relatively common breed-specific ailments like canine hip dysplasia. Given the skyrocketing cost of veterinary care, pet insurance is potentially useful to any pet owner. While the cost to value ratio of wellness plans – i.e. plans covering routine exams and things like vaccinations – is still a contested issue, mainstream accident and illness coverage can literally spell the difference between life and death. Treatment for major conditions like cancer and heart disease can top out these days at up to $20,000. This forces many pet owners into the unfortunate position of having to choose economic euthanasia. By and large, pet insurance companies offer two major types of coverage: comprehensive (accident and illness) and accident-only. There are providers, however, that allow more flexibility letting you to mix and match illness and accident coverage, or purchase certain conditions a la carte. Some companies offer wellness plans as add ons. Wellness plans cover the animal for routine care, vaccinations, neutering, etc. Costs can vary widely, with accident-only plans usually being the cheapest option. No pet insurance plan covers pre-existing or congenital conditions if they are present before purchasing the policy. And some have waiting periods for specific congenital conditions (hip dysplasia, cruciate ligaments) when no claim will be allowed.No pet insurance will cover your pet for pre-existing conditions if symptoms are present prior to policy purchase. Pet insurance is a preventative measure, so keep in mind that you can’t buy a policy when your pet is already sick. Most plans allow you the ability to customize your deductible, reimbursement percentage, and benefit limits. Tinkering with these three factors determine what you are going to be paying monthly. Watch out for plans that operate on a “benefits schedule,” or per-condition limits. Plans that feature high or unlimited annual or lifetime coverage are preferable.Conditions covered by pet insurance can be broken up into nine major areas: accident, illness, hereditary, congenital, cancer, chronic, accidental dental, routine dental, and breeding. Most plans cover accident and illnesses. They also cover hereditary, congenital, and chronic, but keep in mind only if they are not pre-existing. Furthermore, most plans will cover dental injury sustained in some kind of accident, but not routine dental care or dental illness arising from neglect or improper care. Costs associated with breeding are most times not covered as well.