Animal insurance is almost unknown but recently it has started to gain some traction with people asking where to buy pet insurance in the United States.
Insurance needs grow and develop. Due to the overwhelming risks and threats we face on a daily basis, insurance companies are developing better policies to mitigate their effects.
They have now made it possible to insure not only your life, your health and your home but also your pet. This article covers the basics of pet insurance, where to buy pet insurance in the United States, its terms and exceptions, and the benefits of buying it.
It is undeniably true that our pets face many threats. From the outbreak of animal diseases to an accident, they are very vulnerable.
What is pet insurance?
Simply put, pet insurance is an insurance cover specially designed for pets.
It covers the cost of caring for cats, dogs and other pets when they get an unexpected illness or suffer bodily injury from accidents.
Although there is no standard for pet insurance, some companies have started rolling out packages to meet this insurance need.
Legislators say they are working to establish regulatory standards that would be appropriate for the industry. Still, every insurance company has its regulations, so you would do yourself a favor if you carefully go through the insurance certificate.
What does pet insurance cover?
As I said earlier, every insurance company is uniquely different in what they offer in their policy statements.
You would need to search the records to see which company offers the type of protection you are interested in.
In general, pet insurance will cover the following:
- Visits to the Vet emergency room
- Treatment of animal cancer
- Conducting MRI, X-ray and diagnostic tests
- Veterinary consultations
These are the basis for what pet insurance covers. It is important to note that the policy has certain exceptions.
Some things would not be covered and you have to know what they are.
What is not covered by pet insurance?
Animal insurance does not cover costs caused by or incurred during any of the following events:
- Regular preventive services such as castration, annual exam fees, etc.
- Waiting times  Dental problems in pets
- Congenital and hereditary diseases [19659017Pre-InsuranceHealthConditions
- Rehabilitative Treatment or Therapy (Included by Some Companies)
- Obligations either on you or a third party
Costs for Pet Insurance Rates in the United States
The cost of pet insurance fees in the United States starts from about $ 15 to $ 300 per month. Insurance companies around the United States use different metrics to arrive at their insurance level, hence the difference in cost.
Factors Affecting the Prices of Pet Insurance
The following are factors affecting the level of pet insurance in the United States:
- Age of Animals
- Breed of Pets
- Animal Medical History
- Type of Insurance and Options
themselves to pay more when insuring an older pet with extensive coverage.
Is it worth paying pet insurance?
The short, simple answer is yes! Paying for pet insurance is worth it.
Pets face the risk of epidemic outbreaks and accidents and treatment costs thousands of dollars.
Losing a pet can be frustrating just because there is not enough money to treat it.
You would also save a lot of money and time when insuring your pets.
With that, let's look at some of the recommended animal insurance companies in the United States.
The best animal insurance companies in the United States
- Figo Pet Insurance
- Healthy Paws
- Pets Best
Figo Pet Insurance
Figo tops the list of the best pet insurance companies in the United States.
They have a large number of options to help policyholders, which helps simplify the insurance process.
Their customer service can be reached either via Twitter, SMS, chat, email and even phone calls.
Regardless of the age of your pet, Figo offers insurance to everyone and offers users a 30-day money back guarantee
With Figo Pet Insurance you can go to any veterinary clinic in Puerto Rico, Canada and the USA to get your pet to manage the.
A disadvantage of Figo pet insurance is that it does not offer health coverage and accident plans. You will need to purchase both accident and illness plans separately
Waiting times with Figo are approximately 3 days for injuries and 14 days for illness
Trupanion follows hot heels behind Figo. The insurance company covers up to 90% of the cost of veterinary visits without limiting the payment.
Trupanion, based in Seattle, Washington, offers pet insurance for cats and dogs for people living in Australia, Canada, Puerto Rico and the United States
The insurance covers a wide range of pet emergencies. What it does not cover is the cost of preventive care.
No annual limits, no drivers for routine health, 90% compensation, 24/7 customer service, Trupanion is the company to go to if you want affordable insurance for your cat or dog.
Pets Best is fantastic for its extremely low premiums, affordable discounts, easy-to-use online tools and not to forget her accident and health plans.
The company adopts a digital approach to insuring pets. In 2011, Pets Best became the first pet insurance company to allow electronic claims.
If you have a budget and need to get your pet insured, you can try Pets Best. You can buy insurance for as low as $ 10 per month.
At Pets Best, the plans for accidents and health have a standard amount which means that all pets of the same species cost the same regardless of age, breed, etc. to be insured.
Nationwide Pet Insurance
With an A + rating from A.M Best Rating Services, Nationwide is a great place to buy pet insurance.
Nationwide offers more comprehensive coverage than others in this category. They insure not only cats and dogs but all pets.
It is also worth noting that they are quite expensive yet quality comes at a price.
You can insure birds, reptiles, small mammals and other exotic pets. and enjoy the same amount of a discount when you insure several pets at the same time.
Suppose you own a pet other than a cat or dog, Nationwide gives you the best of insurance.
Healthy Paws Pet Insurance
If you & # 39; you are looking for a simple, hassle free pet insurance that gives you up to 90% compensation for vet bills, you have just found one.
Healthy Paws offers unlimited annual benefits, a fast settlement process and comprehensive coverage for unexpected accidents and illnesses.
You can be sure that your pet is insured with safe hands because Healthy Paws is backed by Chubb, one of the leading insurance companies in the United States.
There are two disadvantages to Healthy Paws pet insurance. One is that they offer a single policy for accidents and illnesses. Second, old pets are not favored.
This is the cheapest pet insurance. ASPCA offers complete pet insurance benefits at a low price, much lower than average.
Not many insurance companies offer insurance coverage for horses but the ASPCA includes cats and dogs.
With its pet insurance, you can be supervised by any veterinarian or clinic in the United States and Canada.
Although very cheap, their policies are written by third party agencies and therefore do not exercise maximum control over them.
Waiting time for pet insurance
The waiting time for pet insurance differs from company to company. It also depends on the type of coverage.
But in general, the waiting times range from 3 to 14 days.
I think you are no longer in doubt about where to buy animal insurance in the United States. Some of the above insurance companies offer excellent pet insurance and you may want to try them for your pet's safety and security.