The Best Pet Insurance Options Available

Medical costs are getting higher every year, and that applies to medical procedures for pets. In 2016, pet parents spent an estimated $15.92 billion on veterinary care. Your pets are family members, so you want to make sure they always get the best care. Pet insurance can help to cover the costs of unexpected veterinary procedures if your pet should be injured or get sick.

Pet Plan

The Pet Plan company started after the founders had to struggle with a $3000 veterinary bill. Pet Plan’s goal is to help pet parents to get the medical care they need so their pets can live long, healthy lives. Pet Plan provides coverage for pets of all ages and doesn’t exclude pre-existing or hereditary conditions. Their mobile app makes it easy to file paperless claims and customer support is available 24 hours a day, seven days a week. Coverage can begin when your pet is six weeks old and premiums don’t increase if you have to make a claim. The only downside is that Pet Plan policies are only available for dogs and cats.

Coverage Under Pet Plan Includes:

  • Accidents and Injuries
  • Alternative Therapies
  • Diagnostic Treatments
  • Exam Fees
  • Illnesses (such as cancer)
  • Imaging
  • Non-Routine Dental
  • Referrals, Specialists, and Prescriptions
  • Surgery and Rehabilitation

Coverage is affordable, with annual plans from $2,500 to more than $25,000. You can also choose the amount of reimbursement that you want from a claim, from 70 to 90 percent. Additionally, you have the option of choosing your deductible, which can be from $100 to $1000.

Healthy Paws

Healthy Paws offers plans for cats and dogs as well. Coverage is available for accidents, alternative care, cancer, emergency care, and genetic medical conditions. Coverage is affordable and starts at $15 a month for cats and $25 for dogs. Features of Healthy Paws Plans include:

  • Annual deductibles
  • No caps on claims
  • Unlimited lifetime benefits

When you file a claim with Healthy Paws, the claim is processed within 3 – 10 business days. The Healthy Paws Foundation provides medical care for homeless pets that gives them a better chance of getting adopted. Chronic medical conditions, blood tests, X-Rays, and ultrasounds are also covered. Your pet is covered if you need specialized care. Pre-existing conditions aren’t covered under healthy Paws plans.


Embrace has been providing coverage for cats and dogs since 2006. Pet parents can choose the level of coverage they want including the annual maximum coverage, deductible, and the amount of reimbursement you want. The company offers Wellness Rewards for routine veterinary care. The program is like a savings account that can be used for wellness exams, dental work, heartworm medication, and spaying/neutering. The rewards program can be added to any pet policy.

Some breeds are more susceptible to some medical conditions than others, and Embrace covers conditions that are breed specific. Embrace coverage includes:

  • Alternative therapy and rehabilitation
  • Emergency treatment
  • Behavioral therapy
  • Diagnostic tests
  • Mobility devices
  • Prosthetic limbs
  • Hospitalization and surgery
  • Prescriptions

Older pets that are diagnosed or have symptoms of Addison’s or Cushing’s Disease, Feline HIV, or diabetes may only be enrolled in accident-only coverage and the Wellness Rewards Program. Pets must be 14 or younger to be enrolled, but when your pet is enrolled, you’ll have lifetime coverage. Rescues and shelters can help adopters by offering a promotion that provides two months of coverage for adopted pets.

Pet First

Pet First has a short period to wait before illness and accident coverage takes effect. The plan is available for all breeds, and no veterinary exam is needed for coverage to begin. Coverage for accidents starts at midnight after you enroll. Coverage for illnesses begins 14 days after you enroll. There aren’t any per-incident limits and coverage is available for exams. A discount is available when you renew your coverage if claims aren’t filed for illnesses or accidents.

With Pet First, bi-lateral, congenital, and chronic health conditions are covered. Ingestion of foreign bodies is covered as well, no matter how many claims are filed. A great feature of the plan is that alternative and holistic therapies are reimbursed.

You have several options for reimbursement and deductibles, and you may make changes to your plan at any time. Annual limit options are from $5,000 to $20,000 per year. Pet First has a wellness rider that can be added to any policy. Coverage for exams, flea and tick control and reimbursement for spay and neuter is available.

Pets Best

Pets Best has a high rating from veterinarians and offers coverage for cats and dogs, kittens and puppies. Coverage is available for accidents and illness. Best Benefits Plans are available for routine veterinary care.

Essential Wellness and Best Wellness offer coverage for routine care in addition to illness and accident coverage. Two tiers are available for these plans that cover vaccinations, flea and tick prevention, Heartworm screening, blood work, urinalysis, and other procedures.

The cost of the plans depends on your pet’s age and breed, and the reimbursement and deductible you select for your plan. The optional plans for routine care for your pet are low in cost.

The average cost for routine care for a dog each year is $248, and for a cat the cost runs about $219. When an unexpected illness or injury happens. One of the best features of pet insurance is that the companies offer an array of options for reimbursement, deductibles, monthly costs, and additional plans that can be added to the policy that handles routine care.

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