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Top 10 Pet Insurance

<p>Pet insurance plans can help pet owners save money over a long period of time, so it’s essential to comparison shop and weigh your options.</p>
<p>Dogs and cats give you happiness but expensive vet bills don’t. This is why you need pet insurance. If you’re planning to adopt a pet companion, you initially think only of food, toys, collar, tags, or scratching posts. What pet owners often forget is having an insurance plan to cover their pets. An insurance policy is not essential for survival so it might feel like an unnecessary expense.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-16170" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-2-for-Eusoh-Review.jpg" alt="Img-2-for-Eusoh-Review" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-2-for-Eusoh-Review.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-2-for-Eusoh-Review-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>However, when your budget is not enough to cover your pet’s medical needs, you will feel like a pet insurance plan is a necessity of life. Different types of insurance plans have different coverage but in general, they cover:</p>
<p>• Illness such as digestive problems, infections, or cancer<br />
• Accident – covers situations when your pet ingests something or gets hit by a vehicle<br />
• Dental work such as gingivitis and root canals<br />
• Genetic and breed-specific conditions such as allergies and hip dysplasia<br />
• Wellness – flea and tick medication, heartworm prevention, dental care, vaccinations, burial and cremation</p>
<h2>Are insurance policies all the same?</h2>
<p>No. Many pet insurance policies will not cover genetic conditions or breed-specific conditions but there are a few that do provide coverage for them. You need to read and understand the provider’s terms and conditions before you sign a contract. It’s important to not make any assumptions or guesses on the coverage of your policy.</p>
<p>There is one aspect in which pet insurance plans find similarities. Pre-existing conditions are not covered. These are health problems that were diagnosed before you enroll your pet in a policy. However, each insurance provider may have different definitions of pre-existing conditions. Some providers may include them in the coverage if medical records show that the condition has been cured in 6 or 12 months.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%231b53e5&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%231487d2" offer-id="79" data-promoe-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10936" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2023/02/embrace-pet-insurance-new-logo.png" data-promote-text="Plans designed with your pets in mind" data-button-text="Visit Site" data-partner-link="https://epi.ykwujd.net/c/2213888/731727/10630?subId1=" data-kidon-id="87" data-offer-link="https://epi.ykwujd.net/c/2213888/731727/10630?subId1=&offer_id=79&offer_name=Embrace" data-conversion-label="IkYiCMH_zIYYEMXKiKEB"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=64831d3f731e4 class="buttono-content" ><div class='buttono-logo__container'><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2023/02/embrace-pet-insurance-new-logo.png' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Plans designed with your pets in mind</p></a></div><div class='buttono-link-container'><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank' style='background-color: #1487d2; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10936></div></a></div></div>
<h2>When should you apply for an insurance plan?</h2>
<p>It’s better to start early when your pet is at a young age. Mathew McCarthy, veterinarian and owner of Juniper Valley Animal Hospital, advises pet owners to get one as soon as possible. If you’re thinking of pet insurance, get one as soon as your pet steps foot in your or immediately after the first vet visit.</p>
<p>McCarthy suggests getting insurance once you bring a pet to your house since, at that age, the chances of the animal having a pre-existing condition are low. If you’re adopting an older pet, practical reasoning would suggest that they will only experience more health issues when they become older. So singing for an insurance plan after finalizing the adoption proves to be a cost-effective move to cover conditions that might develop in the future.</p>
<p>McCarthy also notes that your healthy puppy or kitten could still get injured. If you plan to get insurance, you don’t want to delay it especially if you found the right provider.</p>
<h2>How much do pet insurance plans cost?</h2>
<p>The more coverage you need, the higher your premiums cost. Pet insurance plans range from $10 to $70 per month and could even go higher. If you pay $10 per month, you possibly have coverage for serious injury only. If you’re paying more, your coverage could include vet visits and medications that your pet regularly takes.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%230056ea&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%231487d2" offer-id="224" data-promoe-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10936" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/fetch-logo.svg" data-promote-text="Comprehensive Pet Insurance" data-button-text="Visit Site" data-partner-link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=" data-kidon-id="192" data-offer-link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER10&p=SpoTower&subid=&offer_id=224&offer_name=Fetch+-+Spotower" data-conversion-label="g7PxCJXxw8YDEMXKiKEB"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=64831d3f746da class="buttono-content" ><div class='buttono-logo__container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/fetch-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Comprehensive Pet Insurance</p></a></div><div class='buttono-link-container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' style='background-color: #1487d2; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10936></div></a></div></div>
<h2>Is pet insurance similar to people’s health insurance?</h2>
<p>Pet insurance works almost the same as human health insurance since pets can also develop similar health conditions. Dan Routh, a financial advisor with Old Peak Finance has pet insurance and has benefitted from it more than five times for their 5-year-old German shorthaired pointer, Laney.</p>
<p>Routh’s wife works as a veterinarian and their chosen pet insurance provider is Trupanion.</p>
<p>They chose a high deductible set at $500 to $1,000 so that they can get a lower monthly premium which is the same strategy they employ for their personal health insurance policies. Routh says that they chose a policy that can cover huge emergencies such as cancer or trauma. Most of the claims they made cost $750 to $1,500 and the insurance covered 90% above their deductible. They have only been paying $30 to $45 a month which varies depending on the deductible they have at that period.</p>
<p>Routh mentioned that they filed a claim when they had to remove a cancerous parathyroid nodule with surgery. They discovered the nodule while doing annual blood work and they were surprised with the surgery costing $5,500. At that time they were also trying to buy a house. Their deductible was set at $1000 so their total out-of-pocket fell to $1,450.</p>
<p>According to Routh, people who have enough money to pay for unexpected health emergencies probably don’t need insurance. However, pet owners who do not have a spare thousand dollars for surgery should seriously consider getting one. Routh warned cats and dogs had to be euthanized even though they could be saved because the veterinary bills were too high. When you think you’re ready for a pet, you should take the responsibility to get pet insurance or set aside enough money to self-insure.</p>
<p>One thing you need to remember is that some policies increase premiums when the pet gets older. Although the insurance may start at a low premium, in the end, you might be paying more than what you bargained for. In this scenario, it’s better to save money for an emergency.</p>
<h2>Brief Glance at Pet Insurance Providers</h2>
<p>This does not include every type of pet insurance, but it offers a quick look at the available options, their costs, and their advantages and disadvantages.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-16198" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-2-for-Pawp-Review.jpg" alt="Img-2-for-Pawp-Review" width="597" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-2-for-Pawp-Review.jpg 597w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-2-for-Pawp-Review-768x514.jpg 768w" sizes="(max-width: 597px) 100vw, 597px" /></p>
<p><strong>PetFirst Pet Insurance</strong></p>
<p><strong>Cost:</strong> $15 a month for dogs; $9 a month for cats</p>
<p>Pros</p>
<p>• Less than 2 weeks to process claims<br />
• 80% reimbursement for covered treatment<br />
• Routine care rider can help with wellness expenses<br />
• Purchase plans anytime</p>
<p>Cons</p>
<p>• Elective procedures not covered<br />
• Preventive care and routine wellness not covered<br />
• Organ transplant not covered</p>
<p><strong>Embrace</strong></p>
<p><strong>Cost:</strong> $30 to $40 a month for dogs; $15 to $20 a month for cats</p>
<p>Pros</p>
<p>• Diminishing deductible applied to every policy. Deductibles are reduced by $50 each year your pet doesn’t get sick or get involved in an accident.<br />
• 10% discount for multiple pets enrolled<br />
• 5% military discount (not applicable in Florida, New York, and Tennessee)</p>
<p>Cons</p>
<p>• Although it’s difficult to point true disadvantages, you can check their list of restrictions to see if there are any points that could be a deal-breaker for you.</p>
<p><strong>ASPCA Pet Insurance</strong></p>
<p><strong>Cost:</strong> average of $35 a month</p>
<p>Pros</p>
<p>• Optional wellness coverage<br />
• Covers congenital and genetic conditions<br />
• Direct deposit for reimbursements</p>
<p>Cons</p>
<p>• Although it’s difficult to point true disadvantages, you can check their list of restrictions to see if there are any points that could be a deal-breaker for you.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%230056ea&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%231487d2" offer-id="224" data-promoe-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10936" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/fetch-logo.svg" data-promote-text="Comprehensive Pet Insurance" data-button-text="Visit Site" data-partner-link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=" data-kidon-id="192" data-offer-link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER10&p=SpoTower&subid=&offer_id=224&offer_name=Fetch+-+Spotower" data-conversion-label="g7PxCJXxw8YDEMXKiKEB"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=64831d3f75b6f class="buttono-content" ><div class='buttono-logo__container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/fetch-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Comprehensive Pet Insurance</p></a></div><div class='buttono-link-container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' style='background-color: #1487d2; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10936></div></a></div></div>
<p><strong>Nationwide</strong></p>
<p><strong>Cost:</strong> Start at $35 per month</p>
<p>Pros</p>
<p>• Wellness coverage offered<br />
• Covers exotic pets such as rabbits birds, turtles, and snakes</p>
<p>Cons</p>
<p>• It’s also difficult to point out the negatives with ASPCA. You can check their list of restrictions to see if there are any points that could be a deal-breaker for you.</p>
<p><strong>Petplan Pet Insurance</strong></p>
<p><strong>Cost:</strong> $40 a month on average</p>
<p>Pros</p>
<p>• Covers homeopathic and alternative therapies<br />
• Covers online vet visits</p>
<p>Cons</p>
<p>• Routine care not covered. Their website mentions that the policy provides protections from unexpected vet bills for illnesses and injuries.</p>
<p><strong>Healthy Paws Pet Insurance</strong></p>
<p><strong>Cost:</strong> start at $25 for dogs and $15 for cats monthly</p>
<p>Pros</p>
<p>• No maximum payout limits<br />
• No caps per incident<br />
• No lifetime caps<br />
• Premiums do not increase as the pet gets older</p>
<p>Cons</p>
<p>• Doesn’t cover preventive care<br />
• Most dental care treatments are not covered</p>


How To Look For Insurance Options

<p>Buying pet insurance saves you from the pain and hassle of paying unexpected veterinary bills. It lets you have more time to focus on getting immediate and necessary medical attention for your pets, whether it is a dog, a cat, or whatsoever, and so also saving you from stress and anxiety. But beware, quickly jumping in to buy a pet insurance plan without first understanding the terms might get you into an unexpected problem later on and also cost you time and money.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-16196" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pawp-Review.jpg" alt="Img-for-Pawp-Review" width="597" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pawp-Review.jpg 597w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pawp-Review-768x514.jpg 768w" sizes="(max-width: 597px) 100vw, 597px" /></p>
<p>Insurance plans for your beloved pets vary in many different aspects. From things they do and do not cover, and even things as basic as deductibles, are different for every plan, so be sure to do enough research before availing one. Aside from browsing for cute photos of kittens and puppies, let us dig deeper into the policy details to find the perfect pet insurance plan for you.</p>
<p>To help you out, here are some of the key points to consider in choosing a pet insurance plan.</p>
<h2>Rules for Enrollment</h2>
<p>Pets that are young and healthy will surely be qualified in every plan. However, some plans will not allow you to enroll your older pets. In general, the minimum age for a pet such as a kitten or a puppy before you are allowed to enroll them in any pet insurance plan is 6 to 10 weeks old, but also be sure to ask your insurer. On the other hand, the maximum age limit for pets to be enrolled for the first time in many pet insurance plans is 10 to 14 years, though some plans do not have any maximum age limit. Once you finally enrolled your pet, most pet insurance plans will offer you lifelong coverage given that you continue to pay the premiums.</p>
<p>Your pet seeing a vet in the past year or requiring your pet to undergo certain exams may also be necessary before you are eligible to avail of their plans.</p>
<h2>Covered Incidents and Treatments</h2>
<p>On types of incidents covered, some companies may offer only accident plans while others may offer plans that cover both illness and accidents.</p>
<p>Covering treatment for injuries caused by incidents such as poisoning or car accident is what an accident-only plan is made for. Your dog or cat getting sick and needing medical attention, however, is not the problem of the company if you avail an accident-only plan.</p>
<p>On treatments covered, the following are areas different plans may or may not cover.</p>
<p>• Behavioral and alternative treatment<br />
• Continual treatment<br />
• Examination fees<br />
• Wellness care and routine</p>
<div class="buttono-wrapper" style="max-width:98%;" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%231b53e5&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%231487d2" offer-id="79" data-promoe-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10932" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2023/02/embrace-pet-insurance-new-logo.png" data-promote-text="Plans designed with your pets in mind" data-button-text="Visit Site" data-partner-link="https://epi.ykwujd.net/c/2213888/731727/10630?subId1=" data-kidon-id="87" data-offer-link="https://epi.ykwujd.net/c/2213888/731727/10630?subId1=&offer_id=79&offer_name=Embrace" data-conversion-label="IkYiCMH_zIYYEMXKiKEB"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=64831d3f7a1b9 class="buttono-content" ><div class='buttono-logo__container'><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2023/02/embrace-pet-insurance-new-logo.png' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Plans designed with your pets in mind</p></a></div><div class='buttono-link-container'><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank' style='background-color: #1487d2; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10932></div></a></div></div>
<h2>Payout Limit and Deductibles</h2>
<p>Most pet insurance plans have maximum payouts, but some do not even cap the amount they will be paying for a treatment covered by their plans. We suggest that you read thoroughly the policy language for this very important part. Payout limits per year, for the whole life of your pet, or different conditions or incidents may be present. Different combinations of caps may also be present on different plans.</p>
<p>Deductibles, on the other hand, and for some who are not familiar, is the amount of money you pay using your pocket prior to the pet insurance company starts paying. Some pet insurance plans apply the deductibles annually. After you have paid the amount deductible for covered treatments, you will get a reimbursement from the plan. Renewing the plan or policy yearly will also reset the deductible.</p>
<p>A deductible applied per incident may also be part of some plans. As you pay the deductible for the treatment of a certain illness or injury, the plan provides you a reimbursement up to the limits of the policy, even in succeeding years of the plan. However, this also has its downside. If your pet enrolled in this plan develops different conditions within the same year requiring medical attention, paying the deductibles for each of your pet&#8217;s conditions might be a bit heavy.</p>
<h2>Pre-existing Conditions and Other Possible Exclusions</h2>
<p>Pre-existing conditions, in general, are not covered by pet insurance plans although the definition of the word &#8220;pre-existing&#8221; has quite a lot of variations. In the most widely used definition, such a condition is a form of a medical issue already present in your pet before you availed of your plan. However, there are also pet insurance plans that cover past conditions that have been successfully cured over a certain period.</p>
<p>Aside from pre-existing conditions, some specific illnesses and medical conditions may also be excluded from the coverage of certain pet insurance plans.</p>
<h2>Waiting Period</h2>
<p>There is a waiting period for every pet insurance plan after you sign up before you enjoy their coverage.</p>
<p>One or two days after signing up is the typical waiting period before the company will start covering injuries from accidents. For illnesses, the waiting period after signing up is generally longer. It may last around 2 weeks or longer.</p>
<p>Orthopedic problems may also have a waiting period from several months to a year, you should take note. Therefore, if your pet requires orthopedic treatment during this long waiting period, the plan won&#8217;t pay a cent.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-16202" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pets-Best-Review-.jpg" alt="Img-for-Pets-Best-Review-" width="597" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pets-Best-Review-.jpg 597w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pets-Best-Review--768x514.jpg 768w" sizes="(max-width: 597px) 100vw, 597px" /></p>
<h2>Reimbursement Levels and Pricing</h2>
<p>A percentage of the treatment cost is reimbursed to you by your pet insurance plan. The level or percentage of which is chosen by you as the buyer.</p>
<p>Make sure to read every bit of detail on how reimbursement works. There may be some pet insurance plans that reimburse you a percentage of the bills from the vet. Other plans may reimburse you a percentage of the treatment&#8217;s &#8220;usual and customary charges&#8221;. Any amount that is already above that percentage is your responsibility to pay for.</p>
<p>Talk about pricing, $433 is the average cost of the annual premium for a pet insurance plan or policy in 2014, as per the North American Pet Health Insurance Association. $154 is the average premium annually for most accident-only plans.</p>
<p>The basis for pet insurance pricing:</p>
<p>• Age and breed of your pet(s)<br />
• ZIP code<br />
• Type of coverage and amount<br />
• Level of reimbursement and deductible<br />
• Insurance company</p>
<div class="buttono-wrapper" style="max-width:98%;" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%230056ea&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%231487d2" offer-id="224" data-promoe-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10932" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/fetch-logo.svg" data-promote-text="Comprehensive Pet Insurance" data-button-text="Visit Site" data-partner-link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=" data-kidon-id="192" data-offer-link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER10&p=SpoTower&subid=&offer_id=224&offer_name=Fetch+-+Spotower" data-conversion-label="g7PxCJXxw8YDEMXKiKEB"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=64831d3f7a90a class="buttono-content" ><div class='buttono-logo__container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/fetch-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Comprehensive Pet Insurance</p></a></div><div class='buttono-link-container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' style='background-color: #1487d2; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10932></div></a></div></div>
<h2>The Next Move</h2>
<p>Decide upon the amount and type of coverage your pet needs and after which, you then have to obtain quotes from companies for pet insurance. Compare each plan’s prices, annual payout limits, and deductibles. Finally, before purchasing, make sure to understand every piece of information provided to ensure that you did not miss anything.</p>


What To Consider Before Buying One?

Pet Insurance: Is it worth your money?

<p>More pets are enjoying healthier and longer lives thanks to higher quality and nutritional products and the constant development of veterinary practices. The cost of having your own pet is not a joke. Expenses can quickly add up if you include basics such as food, hygiene, and veterinary care plus toys and accessories.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-11709" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_582115876.jpg" alt="Owner hug his dog" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_582115876.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_582115876-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>A lot of people believe that pets are just as important as any family member. Just like humans, your pets can fall victim to an illness or an accident that you might not be prepared for. With a pet insurance policy, you can have greater confidence in terms of maintaining your pet’s health. When it comes to the unexpected, you don’t have to scramble for funds to pay the upfront costs for your pet’s veterinary care.</p>
<p>When looking for the best policy, here are eight tips you should consider.</p>
<h2>1. Shop around and compare providers</h2>
<p>Before signing any document, research companies and providers you’re interested in. There are resources that can help you compare available plans, monthly premiums, deductibles, reimbursement models, coverage limits and exclusions.</p>
<h2>2. Look into the company’s reputation</h2>
<p>For every big purchase, you would only select brands or providers that are tried and tested and have established a solid reputation. This should also apply to your pets.  While you’re researching available plans and prices, you should also look into the company’s track record. Do they have excellent ratings for financial stability and experience? How long have they been providing services? Do they have teams of experts in veterinary care to help craft their policies?</p>
<div class="buttono-wrapper" style="max-width:98%;" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%230056ea&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%231487d2" offer-id="224" data-promoe-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10967" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/fetch-logo.svg" data-promote-text="Comprehensive Pet Insurance" data-button-text="Visit Site" data-partner-link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=" data-kidon-id="192" data-offer-link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER10&p=SpoTower&subid=&offer_id=224&offer_name=Fetch+-+Spotower" data-conversion-label="g7PxCJXxw8YDEMXKiKEB"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=64831d3f8548c class="buttono-content" ><div class='buttono-logo__container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/fetch-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Comprehensive Pet Insurance</p></a></div><div class='buttono-link-container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' style='background-color: #1487d2; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10967></div></a></div></div>
<h2>3. Research the policy coverage and how it might change</h2>
<p>Most pet insurance providers have a list of exclusions for their policies. Often, these include hereditary, pre-existing, or congenital conditions specific to a breed. There might be certain restrictions applicable when filing a claim.</p>
<p>Before you sign up for a policy, make sure that you thoroughly understand the coverage of your policy and how certain factors can affect it. If there are chances that your pet’s breed or pre-existing condition could affect policy coverage, ask your provider how your premiums will change specifically. You should also confirm if the number of claims you file has an effect on your premiums. If the terms of the policy are difficult to understand, ask a customer service representative to break it down for you.</p>
<h2>4. Get coverage that fits your needs</h2>
<p>Are you looking for a plan that covers medical care, routine care, or combination of both? Take a look at your pet’s medical records and see which services you want to prioritize for coverage. Insurance providers will offer different types of plans that can be customized according to your needs.</p>
<p>You should also talk to your pet’s veterinarian and figure out what medical conditions your pet could be at risk of. It may be related to the breed or the family tree. If you want to be fully prepared for emergencies and unexpected medical conditions, now is the perfect time to look into insurance coverage for your pets. When your pet gets older or start developing symptoms for a certain illness, you will find yourself paying higher premiums or getting rejected for coverage because of pre-existing conditions.</p>
<h2>5. Choose a convenient reimbursement plan</h2>
<p>There are two reimbursement methods insurance providers use. One is to calculate a given percentage of the invoice; another is to provide a benefit allowance annually.</p>
<p>Invoice is the itemized record of the services that you received from your pet’s veterinarian. If you choose the invoice percentage method, you’ll receive a reimbursement for a portion of your upfront veterinary costs. For instance, the insurance plan will reimburse 90% of covered costs minus the annual deductible.</p>
<p>If you choose an annual benefit allowance, you’ll receive a list of all items covered by your policy with an amount allotted for reimbursement. These are renewed every year. Your reimbursement amounts may also be affected by factors such as choosing an annual deductible or per-incident deductible.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-11703" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_51431005.jpg" alt="pet owner holding the paws of their pet" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_51431005.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_51431005-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h2>6. Do the math for cost-effectiveness</h2>
<p>Just because you see something cheap doesn’t mean you should get it. Low premiums but with limited coverage that doesn’t do anything for your pets will be a waste of money. Do you want comprehensive care coverage or an accident-only plan?</p>
<p>The monthly premiums and reimbursement will change depending on the coverage and deductible that you select. If you select a per-incident deductible, it will be applied to each incident and can lower the monthly premium. Lower annual deductible entails a higher premium and a higher annual deductible means a lower premium. This is why deductibles become important when weighing your options.</p>
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<h2>7. Enroll pets while they’re healthy and young</h2>
<p>As mentioned earlier, it’s important that you get an insurance policy for your pets while they’re still healthy and young. You will avoid limitations because of pre-existing conditions that are more common among older pets and minimize the cost of your insurance plan. Similar to humans, insurance premiums can also increase with the policyholder’s age.</p>
<h2>8. Look for discount codes</h2>
<p>Don’t be shy about asking for discounts. We all want to save a few extra bucks for every purchase we make. It might not be advertised, but ask your agent if the provider is currently offering discounts. Some insurance providers will over discounts if you enroll multiple pets in an insurance plan. You can also check with your employer if the provide a pet insurance benefit.</p>


8 Tips for Choosing the best Pet Insurance for your Pet

<p>Pets are part of the family. Just like any family member, pets can fall ill or get injured, and you’re the one responsible for damages caused by your pet. Fortunately, there are several insurance plans that can help alleviate the financial burden on your family when an emergency occurs.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-11701" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1690835497-1.jpg" alt="Puppy with his owner" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1690835497-1.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1690835497-1-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h2>Health Insurance for Pets</h2>
<p>If you have dogs, cats, or other types of pets at home, you’re likely to pay regular visits to a veterinarian. And we know that vet visits can be expensive especially if you’re dealing with a serious illness or an emergency that requires several tests or even surgery.</p>
<p>Pet insurance is just like health insurance for people. Both have annual or monthly premiums, co-pays, coverage limits, and deductibles. There are insurance plans offered for almost all types of pets such as dogs, cats, reptiles, rabbits, exotic birds, ferrets, potbelly pigs, and rodents.</p>
<p>The cost of an insurance plan usually depends on the pet’s health, age, and level of care selected. More senior animals usually have higher costs of coverage and there are companies that set age limits. Pre-existing conditions are also often excluded from coverage and breeds prone to hereditary conditions may be excluded by certain providers.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%231b53e5&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%231487d2" offer-id="79" data-promoe-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10944" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2023/02/embrace-pet-insurance-new-logo.png" data-promote-text="Plans designed with your pets in mind" data-button-text="Visit Site" data-partner-link="https://epi.ykwujd.net/c/2213888/731727/10630?subId1=" data-kidon-id="87" data-offer-link="https://epi.ykwujd.net/c/2213888/731727/10630?subId1=&offer_id=79&offer_name=Embrace" data-conversion-label="IkYiCMH_zIYYEMXKiKEB"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=64831d3f8a2f6 class="buttono-content" ><div class='buttono-logo__container'><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2023/02/embrace-pet-insurance-new-logo.png' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Plans designed with your pets in mind</p></a></div><div class='buttono-link-container'><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank' style='background-color: #1487d2; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='https://epi.ykwujd.net/c/2213888/731727/10630?subId1=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10944></div></a></div></div>
<h2>Three Levels of Coverage</h2>
<p><strong>1. Basic</strong></p>
<p>Basic coverage is the cheapest option. This has the lowest reimbursement levels for treatments and will cover poisoning, illnesses, and injuries from accidents. Basic insurance plans usually have an annual deductible, reimbursement caps per illness or accident, and term reimbursement limits as well.</p>
<p><strong>2. Comprehensive</strong></p>
<p>Comprehensive coverage is more expensive but offers more coverage and benefits such as reimbursement for emergencies, illnesses, and accident-related injuries, vet fees, diagnostic exams, prescription medicines, X-ray, and laboratory fees. Comprehensive plans usually have lower deductibles but will also have caps on reimbursements per illness and accident and term reimbursements.</p>
<p><strong>3. Wellness Care</strong></p>
<p>Pet well care will provide coverage for preventive care which includes vaccinations, physical exams, and heartworm and flea prevention. Although well care protection has no deductible, other medical services might have a nominal deductible.</p>
<p>When looking for an insurance plan, you might discover vet discount plans. Rather than an insurance plan, these are actually membership-based services. If you have a veterinary discount plan, you pay a monthly fee and you get lower rates on services, prescriptions, medical procedures, and products offered as long as you got a vet who participates in such plan.</p>
<p>Although a discount may be helpful when an emergency or costly illness develops, you still have to pay more out-of-pocket compared to when you have pet insurance. Veterinary discounts plans are also not regulated, unlike pet insurance.</p>
<h2>Theft and Life Insurance</h2>
<p>Theft and life insurance protect extremely valuable animals. This is usually purchased by owners of police dogs and pets that participate in competitions as well as zoos. This type of insurance offers reimbursement if an animal gets stolen and death benefit if the animal dies while in transport or during other covered situations.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%230056ea&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%231487d2" offer-id="224" data-promoe-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10944" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/fetch-logo.svg" data-promote-text="Comprehensive Pet Insurance" data-button-text="Visit Site" data-partner-link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=" data-kidon-id="192" data-offer-link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER10&p=SpoTower&subid=&offer_id=224&offer_name=Fetch+-+Spotower" data-conversion-label="g7PxCJXxw8YDEMXKiKEB"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=64831d3f8ae4c class="buttono-content" ><div class='buttono-logo__container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/fetch-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Comprehensive Pet Insurance</p></a></div><div class='buttono-link-container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' style='background-color: #1487d2; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10944></div></a></div></div>
<h2>Protection Provided by General Insurance</h2>
<p>Some homeowner’s insurance policies offer protection that covers pets. For instance, liability protection is applicable if your dog causes a neighbor an injury and you get sued. Liability protection can be used to help when you need to defend yourself in court.</p>
<p>Take note that many policies will not cover dogs with a history of aggressiveness and biting. Many homeowners’ associations will have restrictions on the dog breeds that are considered dangerous. More and more communities are requiring owners of such breeds to have additional liability coverage.</p>
<p>Personal property protection covers items that are considered owned by the dog. Some pet owners give their pets lavish accessories and clothes. If Bella’s favorite crystal necklace gets lost, stolen, or damage, that’s covered under the personal property section.</p>


A Guide To Pet Insurance

<p>Pets are members of the family. Many pet owners would not hesitate to spend money if their pet gets injured or sick. But pets vet care costs are not cheap. Pet insurance is one way to prevent spending thousands of dollars on expensive medical care. With pet insurance, you want to pay for a plan that suits your needs and fits your budget.</p>
<p>Here we have some tips on how you can find the best plans at the best price.</p>
<p>&nbsp;</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-11725" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/Beautiful-African-American-woman-with-cute-dog-at-home.jpg" alt="Beautiful-African-American-woman-with-cute-dog-at-home" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/Beautiful-African-American-woman-with-cute-dog-at-home.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/Beautiful-African-American-woman-with-cute-dog-at-home-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h2></h2>
<h2>Determine the type of insurance you want</h2>
<p>It’s important to spend time to set your priorities when it comes to the coverage of your pet insurance. Many insurance providers have plans that cover accidents and illnesses which include broken bones, hereditary conditions, hospitalization, and surgery. You can also find accident-only plans. However, if you’re getting an insurance plan for financial protection, it will be more beneficial to get an accident and illness type of coverage.</p>
<p>Price is one of the key factors we consider when selecting the type of coverage we want. However, Alex Stone, the founder of comparison website PetInsurer.com says that you shouldn’t pay for a plan that wouldn’t work for you. You want to find the balance between coverage for items that your pet may be susceptible to and a price point that fits your budget.</p>
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<p>If you’re interested in preventive care, you can also ask insurance providers if they offer a wellness rider. These add-ons are offered by many providers and cover annual checkups, flea control, vaccinations, and more.</p>
<p>Stone says that pet insurance has become more inclusive in the past few years. In the previous generations, insurance policies did cover both accidents and illnesses which include a cut on the paw, treatment costs when hit by a car, diabetes, meningitis, and heart conditions. Still, there were some downsides to the older type of insurance policies. Nowadays, pet insurance plans provide coverage for breed-specific conditions such as cancer which is common among golden retrievers.</p>
<p>Getting coverage that fits your pet’s needs is the best way the get the most out of your money.</p>
<h2>Comparison Shop</h2>
<p>When you’re looking at different brands and companies, you used to go to each company’s website to compare your options. Now, comparing different companies is an easy job with comparison sites that provide you everything from items covered and prices.</p>
<p>Don’t stop at the price when you’re comparing different providers. Check their waiting periods for the different types of coverage. Some would have a longer waiting period for certain conditions such as ligament problems. Comparison sites would also contain customer reviews so you can check feedback from people who already bought the policy.</p>
<p>You don’t have to spend so much time visiting websites to out forms to get quotes and trying to organize all the information you get. Now, you can have all the details on one convenient page.</p>
<h2>Get a Lower Reimbursement Rate</h2>
<p>The cost of your pet’s insurance will depend on these factors:</p>
<p>• Annual coverage limit – The maximum amount paid by the provider each year.<br />
• Deductible – The amount you pay for vet care before your policy starts to reimburse you.<br />
• Reimbursement level – The percentage of vet care cost that the insurance company will pay for. This is usually set at 70%, 80%, or 90%.<br />
• Optional Coverage – Wellness and preventive care riders will add to the cost of the policy.</p>
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<p>If you want to pay less for your pet’s insurance:</p>
<p>• Lower the reimbursement rate – you can go from the second-highest rate instead of selecting the highest option.<br />
• Select a lower annual coverage limit – instead of choosing unlimited coverage, select an average limit.<br />
• Increase deductible – set your deductible to the highest possible that you can afford.</p>
<p>Just remember that if you reduce the amount the provider needs to pay, you should be prepared to pay for more out-of-pocket expenses when you file a claim.</p>
<h2>Try an Emergency or Accident-Only Policy</h2>
<p>The cost of comprehensive coverage does not fit our budget or even the pet’s needs. If you have limited funds and are looking for an alternative, you can start with an accident-only policy. This is also a great choice for pet owners who want protection for their older pets that are disqualified from coverage because of their age. If your dog or cat swallows a random object or gets involved in a car accident, an emergency or accident-only policy will reimburse a percentage of the medical bills.</p>
<p>&nbsp;</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-16161" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-2-for-aspca-review.jpg" alt="Img-2-for-aspca-review" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-2-for-aspca-review.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-2-for-aspca-review-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>&nbsp;</p>
<p>Take note that an accident-only plan does not cover:</p>
<p>• Illnesses<br />
• Dental illnesses<br />
• Chronic conditions<br />
• Cancer<br />
• Breed-specific conditions</p>
<p>Another option you can take is to subscribe to a pet care membership. These subscription plans are different from insurance plans, but they can still help you cover medical expenses from an emergency or life-threatening condition. For instance, if your cat ingests something toxic, an emergency plan will cover the cost of pumping their stomach.</p>
<p>Pawp is an example of a pet care membership provider. Their plan offers $3,000 coverage which costs $19 per month. This has no deductibles and doesn’t require co-insurance. You can also cover a maximum of six pets. Since you can only use it once a year, the plan should be reserved for absolute emergencies.</p>
<h2>Add Routine and Wellness Care to Your Plan</h2>
<p>Basic insurance plans will cover accidents and unexpected illnesses. Adding routine and wellness coverage does increase your premium but can help you save money on the costs of preventive care. It’s an excellent method to reduce the overall costs of pet care.</p>
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<h2>Ask Your Vet for a Review</h2>
<p>Your vet is a great resource to help you select the best providers with the right coverage for your pet’s needs. Take time to go through the options with your vet before you sign up for a policy. This way, you can prevent over-insuring or over-paying for a plan with coverage that you can’t maximize.</p>
<p>Some breeds of cats and dogs are more prone to hereditary conditions compared to others. Dr. Randy Aronson, a betterpet vet advisor recommends that with the help of your veterinarian, you can pinpoint health conditions to cover before your pet shows any sign of such.</p>
<h2>Get Insurance Early</h2>
<p>Dr. Aronson’s advice is that it’s better to get pet insurance sooner than later. When your pet is still healthy and young, there is a smaller chance of pre-existing conditions being detected which often limits the coverage applied to older pets.</p>
<h2>Look for Discounts</h2>
<p>Look out for discounts offered by insurance providers. You will often find the following type of discounts for insurance plans:</p>
<p>• Annual payment discounts: Pay for the annual cost of your premiums can help reduce the total cost.<br />
• Multiple pet discounts: Pet owners who have several pets at home can take advantage of this type of discount.<br />
• Military discounts: If you are an active member of the Army, Navy, Air Force, Marines, or Coast Guard, you can enjoy discounted rates from some insurance providers.<br />
• Employee discount: Some pet insurance providers offer such benefits to their employees.</p>
<p>There may be other methods that pet insurance providers can offer to help you save money. For instance, Embrace Pet Insurance has a vanishing deductible scheme applied to pets in good health. Every year that no claim is submitted, you get $50 less on your deductible.</p>


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