With countless pooch owners growing more conscious about their animals’ well-being, insurance policies became the indisputable pet protection to apply for.
Nowadays, there are over 20 different pet insurance companies operating across the US alone. All pet policies available come with different costs and conditions, but finding the perfect match for your pet can be a tedious task.
To save you the hefty research, we created a how-to guide to help you in finding stellar pet insurance for your exact needs.
What to Look for in Pet Insurance?
To get the best policy that will help your pet, and your finances, you must compare the following points.
1. The Insurance Plan
You should calculate whether the yearly or monthly payments will satisfy your needs. For example, the monthly plan is always a premium, and it covers special vet appointments. So, if your pet is older and needs frequent vet appointments – this is the plan to get.
2. Choosing the Vet
Another important factor in considering an apt insurance plan is the vet. For instance, companies like Pet Assure collaborate with 5,600 vets around the USA. Hence, Pet Assure appoints the vet to your insurance type. However, other pet insurance companies let you choose your own vet, so it depends on what option fits you the most.
3. Waiting Period
When it comes to pet insurance, the waiting period plays a significant role in it. Generally speaking, the waiting time for treating pet illnesses is around 2 weeks.
Still, if the pet suffers an accident or has an urgent situation, the insurance will have a waiting period of a few days. Sometimes, owners might have to wait longer, like a month or more, in case the insurance doesn’t evaluate the condition as urgent.
Before paying for a pet insurance plan, make a detailed comparison so you are in the know of what each plan offers. Usually, a plan will include wellness plans and/or vet appointments. But, mind that some pet insurance companies can also cover hereditary issues, neutering, spaying, and even prescriptions.
These are the main points you must know before you hire a pet insurance policy. However, we know that finding good pet insurance can be tricky, so we’ve conducted a few companies we think you’d want to check out.
Which is the Best Pet Insurance Policy?
One of the most pet-populated states in the US is Connecticut. Hence, we decided to jump in there to discover what they have to offer. According to research and online testimonials, the best pet insurance in CT is Healthy Paws.
Healthy Paws has been singled out as a leading provider from other pet insurance policies and covers the following:
- Hereditary issues
- Chronic Conditions
- Emergency Care
- Specialty Care
- Alternative care
Like many other pet insurance companies, Healthy Paws doesn’t cover previous illnesses. But, it doesn’t cover hospitalization, doctor prescriptions, surgeries, or diagnostic treatment.
Last but not least, Healthy Paws is not too expensive to buy for the services it offers, but there are different prices for dogs and cats. Overall, they offer among the cheapest pet insurance plans in the US.
Ultimately, the insurance plan you’ll choose will largely depend on your pet’s health status, age, breed, and other health requirements.
What is the Best Pet Insurance for Dogs?
Since dogs have more and different needs from cats, they do not fall under the same exact umbrella of services used. When it comes to pups, in particular, ASPCA Pet Insurance – a non-profit organization that protects pets from cruelty – is yet another top option to consider.
When it comes to dogs, ASPCA is the first go-to pet insurance in CT. Their policies include a money-back guarantee if you’re not satisfied with the service, as well as an elaborate coverage plan. Mind that the company is severely strict about violated pets, so any inflicted injuries will not be covered, whereas the contract will be terminated at once. A downside to the ASPCA insurance plan is that it tends to cost more than other plans, yet it ensures a through-and-through service.
Cat owners can also use pet insurance plans though this is a rarer occurrence, as cats do not need as many medical needs as dogs do.