If you’re a pet parent or know someone who is, you’re also likely aware of the care that a pet needs. Pets have nutritional and health needs just like us, so it is advisable to sign up for pet insurance to help cover their medical costs or any additional costs of unforeseen veterinary emergencies.
Here are the top five pet insurance companies of 2021:
- Pet Assure
Pet Assure offers single plans, family plans for two to four animals of any size, and an unlimited plan for every pet in your family. Its flexibility and low cost set it apart from competitors. Their insurance plans cover all in-house medical services, all types of pets, and all conditions, including any pre-existing ones. Plus, Pet Assure is accepted by many veterinarians. Another advantage is that there’s no waiting period to start using your coverage. You can also cancel anytime within 45 days of enrollment for a full refund. That said, the policy usually covers 25% of medical care costs, which might not be a suitable option for some. - Pets Best
Pets Best offers insurance plans for accidents and illnesses with annual deductibles, but the coverage option is unlimited. The company offers a range of pet insurance plans, so you can easily select one that suits your requirements and budget. They also offer a 5% discount on BestBenefit plans if you insure multiple pets. That said, it has a waiting period of 3 days in the case of accidents, 14 days for illnesses, and 6 months in the case of cruciate ligament events. Their insurance is accepted at any licensed veterinary office in the country, claims can be filed online, and the company offers support through multiple channels. - Figo
Figo offers three plans with coverage for accidents and illnesses, and this pet insurance provider does not have any restrictions on the network. This means you can take your furry friend to any vet with a license in the country, Canada, or Puerto Rico. Additionally, the plans provide optional coverage for veterinary examination or consultation fees associated with a covered illness or injury. And based on the plan, deductible, and reimbursement options, the company may reimburse up to 100% for the covered medical expenses. - ASPCA®
The American Society for the Prevention of Cruelty to Animals® or ASPCA® Pet Health Insurance is one of the best options if you have several furry friends at home. It offers coverage for both cats and dogs and offers a 10% multi-pet discount for each additional pet. ASPCA has partnered with Crum & Forster to provide insurance coverage. It has plans for illnesses and accidents, and preventive care coverage can be added to the plan for an additional cost. This covers the costs of vaccines, routine and dental screenings, and more. ASPCA® also has a mobile app that lets you file a claim and manage your account on the go. Plus, you can seek medical help from any licensed veterinary in the country or Canada. - GEICO
Geico is known for offering best-in-the-industry discounts. Additionally, their monthly premiums are low, the policy terms offer flexibility, and there are other wellness benefits. Some of its discounts are for multiple pets and for spaying or neutering your cat or dog. The policies offered by GEICO have a 14-day waiting period, but the company reimburses up to 90% of the vet bill.
You need to consider factors like coverage for accidents and illnesses, premium payments and their flexibility, and transparency of terms and conditions when shopping for pet insurance. Some reputed companies also provide discounts if you insure more than one pet, so if you have more than one pet, get them insured with the same provider.
