Things to Consider Before Choosing Pet Insurance in Delaware
- The type of coverage you need: Some pet insurance plans only cover accidental injuries, while others also cover illnesses. You will need to decide what type of coverage is right for you and your pet.
- The cost of the plan: Pet insurance can be expensive, so it is important to find a plan that fits your budget.
- The deductible and reimbursement rate: The deductible is the amount of money you will have to pay out of pocket before your insurance kicks in. The reimbursement rate is the percentage of the vet bill that your insurance will cover.
- The waiting period: Some pet insurance companies have a waiting period before they will cover certain conditions. This is usually around 14 days.
- The policy limits: The policy limits are the maximum amount of money your insurance will pay out for a single claim or over the lifetime of your pet.
Historical monuments, rich plant and animal life, and the freshest air are some of the most commonly used attributes signed onto Delaware. Besides being the first US state that accepted the constitution, Delaware is well known for its parks and greenery, as well as a refreshingly fun nightlife. Since there are so many outdoor places to go out to and visit, almost every Delawerian owns a pet.
Keeping a pet is not just cuddles and games. Delaware citizens understand that they need to properly take care of their pets, and there’s no better way to do that than with pet insurance. With great pet insurance, you can rest assured that all your pet’s unexpected veterinary costs or even routine checkups and expenses won’t come out of your pocket.
In this review, we’ll tell you all about the best pet insurance companies in Delaware, the pros and cons, as well as some of the best plans and coverages each can offer.
Without any further ado, here’s what Delaware can offer in terms of pet insurance.
If you just adopted a kitty in Delaware, the most popular choice for cat insurance is offered by Figo. Not only that, but you only need to pay 19.74$ a month to keep your cat away from harm and maintain your peace of mind. Even Rolling Stone gave it a shout-out for its comprehensive plans.
With Figo, you’ll know that your cat’s well-being is in good hands, regardless of whether it encounters an accident or illness. With Figo’s policies, the owner can visit any licensed vet or clinic in the US, as well as Puerto Rico and Canada.
Unlike many pet insurance companies in Delaware, Figo allows owners to customize their own plans according to their budget and their pet’s needs. Figo also offers a 24/7 hotline, available as a mobile app. Besides being helpful anytime, anywhere, Figo can even offer prescription food coverage, as well as lifetime benefits.
- Excellent, all-around available customer support
- Not very long waiting periods
- Offers coverage for both cats and dogs
- Customizable plans
- Short waiting periods
- Doesn’t cover pre-existing conditions
- Pre-authorization can last up to a whole week
Plans and Coverage
Figo offers extensive coverage for both cats and dogs; however, the cat plan is one of the best on the market. Owners are given the opportunity to choose their own reimbursement and deductibles. That’s one pet insurance in Delaware that lets you have it all. Pet owners can also choose between a wide range of optional coverages, including wellness fees, examination fees, nearing the end of life expenses, and much more.
Besides the 24/7 customer service, Figo offers wellness package add-ons. There’s also a package where Figo will cover the expenses for prescription food if your vet prescribes it. There are also unlimited lifetime benefits. The only downside to Figo is that it doesn’t cover pet pre-existing conditions.
Figo can help you out with consultation fees, congenital conditions, prescriptions, chronic conditions, hereditary issues, exam fees, hospitalization, surgery, cancer treatment, and much more. The average coverage cost for dogs by Figo in Delaware is $36.55, while cats cost only $18.44 a month.
One of the top competitors in Delaware and in the US, in general, is Embrace. With more than a hundred pets enrolled monthly, there is a reason why Embrace is still the leader when it comes to pet insurance. Popular because of the no-limit payout, Embrace is one insurance company that promises to stick around for your dog’s or cat’s lifetime.
The best part about Embrace’s plans is the diminishing deductibles, as well as numerous discounts. The only downside to Embrace is that older pups and cats don’t get the exact treatment, as you can’t enroll pets older than 14. Nevertheless, Embrace is one of the most visionary pet insurances as it offers coverage for alternative treatments too, including acupuncture coverage and reiki.
- No lifetime payout limits
- The deductible diminishes each year you don’t make a claim
- Coverage available in at least five days
- Pet coverage even outside of the US if the owner and pet travel together
- Pays for alternative therapies
- Discounts for multiple pets
- Doesn’t cover pets older than 14 years of age
- Doesn’t cover previous leg injuries like CCL or ACL injury
Plans and Coverage
Besides allowing unlimited yearly payouts, Embrace offers some discounts as well. Thanks to Embrace’s multiple pet discount, you have a discount on every other pet you enroll. What makes Embrace a top competitor is the fact that they offer diminishing deductibles every following year you don’t make a claim. This means your deductible drops by $50 each year if you don’t claim reimbursement.
Embrace also offers coverage for pet neutering as well as routine care plans. Embrace is also the first pet insurance company Delaware has to offer that covers alternative therapies like massages, chiropractic, acupuncture, and reiki therapy.
The maximum claims for wellness plans equal $650 yearly, which means you’ll get $25 in annual savings. There are also no refunds of the unused funds over the year and no money-back guarantee on the wellness plans.
The average monthly cost for dogs is about $51.77 and $30.23 for cats.
Fetch by Dodo
Fetch is one of the first pet insurances in Delaware that rose to fame a long time ago, and that’s of no surprise. Fetch is the top company when it comes to fast responses and customer care, but it lacks in the fact that it does not cover pet vaccines.
Fetch offers incredible premium care plans, as well as standard accident and illness packages. Some of the other extensive coverage plans by Fetch can help owners out with: surgeries, x-rays, euthanasia, non-routine dental treatment, cancer, rehabilitations, ultrasounds, cat scans, and congenital and hereditary conditions.
- Covers behavioral therapy
- Offers dental coverage
- Covers stem-cell therapies
- Offers dental benefits and covers every tooth
- Has a longer waiting period (15 days)
- Doesn’t offer an add-on preventative or routine care option
Plans and Coverage
Fetch by Dodo is revolutionary in many of its plans, making it one of the best pet insurance Delaware has to offer. Like most companies on our list, Fetch too covers the usual accident and illness plans. Some of the most common conditions that are greenlit by Fetch include hereditary, congenital and chronic conditions, behavioral issues, surgeries, all dental necessities including injuries and trauma, hospitalization, rehabilitation, skin conditions and rashes, hip dysplasia, heart disease, and prescription medication.
What makes Fetch different is the fact that they can cover virtual visits as well, toxin ingestion, advertising for lost pets, and much more. With Fetch, you also don’t have to worry about testing either, as It can cover MRIs, cat scans, blood tests, lab work, and ultrasounds.
Fetch too, doesn’t offer to pay for pre-existing conditions, which means that any issues that might arise from previous problems won’t get covered. Other things Fetch by Dodo won’t cover include vaccinations, pet cosmetic procedures, teeth cleaning, routine care checkups, neutering, etc.
One of the most popular, if not the most well-known, pet insurance company is definitely ASPCA. Famous because of the TV show behind them, the American Society for Prevention of Animal Cruelty has existed since the early 1990s. It was labeled a non-profit organization that prevented animal cruelty and believed that animals also deserve humans’ respectful treatment.
The ASPCA’s primary goal was to put a stop to animal cruelty all over the US, and this means even putting individuals behind bars. Once it became an insurance company, the ASPCA offered multiple benefits for many pet owners, including unique coverage plans that are more comprehensive than other providers. The ASPCA offers wellness add-ons, especially for those who have just adopted a young puppy or a kitten. They also pride themselves on offering 100% reimbursement levels.
- No upper age limit
- Multiple pet discounts
- Alternative therapy coverage
- Covers cremation and burials
- Will not raise the price of the policy even if you file claims
- Covers prescription food
- Doesn’t cover lost pet ads or rewards
- Doesn’t cover breeding
- No obedience training payout
Plans and Coverage
What makes the ASPCA a top competitor is the fact that they reimburse every unexpected veterinary cost at either a licensed veterinary clinic or hospital in the US. They also cover accident-illness coverage for when bad luck strikes and your pet suffers an injury.
By signing to the ASPCA, you can rest assured that your puppy, older dog or kitten, or multiple cats will be medically covered. To be exact, the ASPCA helps out with accidents, injuries, behavioral issues, microchipping, prescriptions, alternative therapy as well as chronic, congenital, and hereditary conditions.
You should also know that all the wellness add-ons will reimburse all exam fees and preventive and routine care vet expenses. There’s also no vaccine requirement for coverage.
Founded by the father of modern pet insurance, Pets Best is the first-ever insurance company dedicated to pets in North America. All of the staff members in Pets Best are experienced pet lovers who have worked in the animal rescue sector. Their main goal is to help pet owners handle unexpected vet costs and have access to professional help 24/7.
This is why Pets Best has a 24/7 available hotline, 5-day waiting period for reimbursement, optional direct vet payment, and flexible coverage options.
Besides having the shortest waiting periods, Pets Best sends you funds directly to your bank account instead of one in the mail.
- Offers direct vet pay or sends funds onto your bank account
- 24/7 pet-help hotline
- Doesn’t limit veterinary choice
- Doesn’t raise the price if you file a reimbursement claim
- Doesn’t require previous medical
- Doesn’t cover pre-existing conditions
Plans and Coverage
Pets Best prides itself on allowing the shortest waiting periods, 14 days for illnesses, six months for ligament injuries, and a minimum of three days for accident coverage. There are no issues with funding or waiting for cheques either, as they will send the money directly into your account.
The plans are customizable according to the owner’s budget, and there’s also an option for preventative care.
The other accident-only plan covers emergencies and has a $250 deductible with 90% reimbursement. The annual limit is $10,000, higher than most companies on our best insurance Delaware list. The full-coverage plan can even pay for neutering or pet spaying.
Another advantage is that there’s no need to show proof of previous medical records to file a claim or to enroll your pet. They also pay claims in 5 days maximum.
How Much Is Pet Insurance in Delaware?
There are a few factors that impact how much you’ll pay for pet insurance in Delaware, and those include the coverage level, the deductible, age and breed of your pet, and the exact location.
You can expect full coverage if you live somewhere where you endanger your pet with extreme weather hazards. The accident risk also plays a huge factor, so pet insurance companies in Delaware consider this when creating a policy.
Pet’s age and breed
Since older pets are more prone to accidents and illnesses, getting pet insurance companies to cover them might cost more. Also, some breeds can fall victims to hereditary conditions more often than others, so that’s why this might be more pricey, especially if your dog or cat’s a larger breed.
Many pet insurance companies come accompanied with different deductibles, usually $350 to $500. The policies that have a higher deductible usually are cheaper than those with a lower deductible.
Annual limits for reimbursement
Most insurance companies put up an annual reimbursement limit, which can start from $3,000 to unlimited coverage. The higher the yearly limit, the higher will the monthly premium be.
FAQ: Pet Insurance in Delaware
How much is pet insurance in Delaware on average?
Pet insurance in Delaware can cost somewhere between $16 to $50 for dogs and $25 to $19 for cats, depending on the chosen plan. The other basic factors that may play a role in how much you’ll pay for your pet’s insurance include breed, medical history, and age.
What is the best pet insurance in Delaware?
Pets Best earns the best grade out of all the pet insurances on our list, including unlimited coverages, coverages for multiple pets, discounts, and reimbursement rates. It’s also the most affordable, with Figo coming in a close second as the best insurance for cats.