Do We Really Need A Pet Insurance In 2022?

Pet insurance is an investment in your pet's health, and when your furry friend is ill or injured, it's important to have the right coverage. But choosing the best company can be difficult: there are so many options that it can be hard to find a good one.

Here is an overview of some of the things you will need to know before selecting a plan: what exactly are the plans covered? What is included in each plan? Is there any deductible required? Who pays for what first? How much does each plan cost? And more! This article will help you make more informed decisions on how to protect your pup.

What Is Pet Insurance?

Pet insurance is an investment in your pet's health. Essentially, it's a contract between you and an insurance company that will pay for certain expenses related to your dog or cat's health.

Generally, pet insurance companies will reimburse you for 80% of these costs. If you've ever purchased pet insurance, you know how much it can help when things don't go so well and money is tight—it can be the difference between having to choose between food and costly treatments like chemotherapy or emergency surgery.

How Does Pet Insurance Work?

With many types of insurance, you pay your premiums in advance and then file a claim if you ever need to use it. If your pet needs veterinary services or veterinary care, you will file a claim with your pet insurance company to recoup the money spent on treatments and medications.

That way you don't have to handle the costs yourself. When filing a claim, be sure to keep all receipts and records since most pet insurance companies will require proof of treatments, surgeries, and other medical services provided by the vet.

Remember that with pet insurance, the coverage isn't permanent; it has an expiration date. So it's good to know when you will have to start paying for the premiums again.

Most plans are renewed annually, but if you plan to cancel your insurance make sure you do so before the coverage expires.

After you get a quote and select a pet insurance company, your pet will receive an ID card with all of the necessary information on it. Be sure to keep this ID card in your wallet; it's really helpful if something happens and you need emergency services for your pet.

Ultra easy process for choosing the best pet insurance company

Certain breeds, such as German Shepherds or Dobermans, are known for developing health issues over time, which might result in a large vet expense. The top pet insurance providers will offer your cherished pup the medical treatment he requires when you need it the most, whether it's routine vaccines or serious surgery.

Best Pet Insurance Companies | What to Look

If you are planning to buy a new pet, it is only natural that you would need to have insurance. This is especially if the pet is a dog. Dogs are highly susceptible to sickness while they are young which can have fatal consequences. If your dog gets sick in the first 12 months of its life, you could lose a lot of money.

However, if you have pet insurance the results can be different because all of the medication costs will be paid by the insurance company. So without further a do let's dive into some of the most popular insurance companies in the USA and what you should look for when choosing one.

Check out this list of pet insurance companies, and see which one is right for your furry friend!

1. Pet Premium Insurance: If you have an expensive breed or need medications covered by your plan, Pet Premium Insurance offers top-notch coverage at affordable rates.

2. ASPCA Insurance: If you want to support an organization committed to animal welfare, ASPCA Insurance offers excellent coverage for all breeds at great rates.

3. Liberty Mutual Insurance: If you're looking for a reputable insurance provider with affordable rates and great customer support, Liberty Mutual Insurance is a great option.

4. Connecticut Pet Insurance: If you want to cover your furry friend for a minimal monthly fee, Connecticut Pet Insurance offers excellent coverage at affordable prices.

5. Geico: Offering quality pet coverage since 1968, Geico is one of the most reliable companies in the industry!

6. Animal Medical Plan: With low rates and excellent benefits, Animal Medical Plan offers decent coverage at affordable prices.

7. Pet Plan: If you're looking for fair coverage that covers a wide range of pet illnesses, Pet Plan offers affordable rates and excellent customer service.

8. Healthy Paws: Offering a truly comprehensive plan at affordable rates, Healthy Paws caters to all breeds at affordable prices.

9. Pets Best Insurance: Offering unlimited coverage and easy online transactions, Pets Best Insurance provides excellent benefits at budget-friendly prices.

10. Petplan: With a wide range of pet sizes covered, Petplan offers excellent benefits for your furry friend and fair monthly payments!

11. Trupanion: Trupanion provides personalized customer service and covers all breed types for their clients.

12. Allstate: With an amazing 24/7 customer service team, Allstate is one of the most reliable insurance providers in the industry!

13. AXA Equitable Pet Insurance: Offering lifetime coverage for your furry friend, AXA Equitable offers top-notch customer support and affordable rates.

14. Pets Best Pet Insurance: Pets Best offers great rates and excellent customer service to their clients.

15. Nationwide Insurance: Nationwide offers high-quality coverage at a fair price. If you have any questions, they even have an emergency hotline that reps are available on!

Why pet insurance is essential?

Did you know that there are nearly one million animals who die each day while in the care of their owners? That’s right, a whopping 1.06% of all pets who die in the United States are reported, which means that for every 1,000 animals there is one death.

When you think about it this way, pet insurance is an investment like no other. It might just save your pet from death or injury and get them back to being healthy and around for many more years to come!

Are There Any Exclusions?

Not all services or treatments are covered by every insurance policy. Also, some companies will exclude certain breeds of dog or cat, so be sure to read the fine print carefully. If you can't find a list of exclusions, ask your insurance company if they have any.

Most pet insurance policies will not cover injuries that happen while your pet is in its crate or kennel. Also, most pet insurance companies will not cover the illnesses or injuries your animal gets while it is infectious and contagious.

Most pet policies will not cover any injuries or illnesses related to normal wear and tear, such as osteoarthritis, cancerous tumors, and heart disease.

How Much Does Pet Insurance Cost?

Pet insurance can seem like an expensive investment, but remember that this isn't something you'll have to do forever. The average yearly cost for a pet policy is about $200. If your pup is healthy and doesn't go to the vet often, your yearly cost will be less than $200.

But if your pet gets sick or injured, it could quickly add up—especially during extra expenses such as chemotherapy or emergency visits to the vet's office. Premiums for dog and cat plans vary depending on the actual type of policy you purchase, so check with your insurance agent before selecting a plan.

Final Words

Remember that you can always cancel your pet insurance policy at any time. Although most companies will charge an annual fee for canceling coverage before the end of the term, it's better to make sure you don't need it before you decide on regular costs.

To find out how much a year's worth of coverage will cost, be sure to visit each company's website and get quotes from as many companies as possible before settling on one. Feel free to pen down more suggestions or share your own experience with any pet insurance firms or companies.