The 2 Best Cheap Pet Insurance

The 2 Best Cheap Pet Insurance

1- PetPremium

PetPremium is a pet portal for all pet parents to provide you the information and assistance you need to be a good and responsible pet parent with these great

It covers everything from surgeries to medication to rehabilitation. If this doesn’t offer the level of protection you’d like, you can always opt for one of the three other plans PetPremium offers, though some of these are a bit pricier. However, they also offer much more coverage for illnesses and higher limits on benefits

2- PetsBest

Pets Best’s plans are surprisingly affordable considering all they offer. The Level 1 plan covers both accidents and illnesses and even hereditary and congenital conditions. They also offer a number of extras including pregnancy, behavioral therapy, and chronic illness coverage. If these plans aren’t appealing to you, there’s also the choice of several specialty policies which offer more limited coverage at a very low price. These include the Accident-Only, Cancer-Only, and Feline Illness plans

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History of Pet Insurance

History of Pet Insurance

Most pet owners haven't heard of pet health insurance and that's okay.

It's relatively new compared to other insurance products but maybe not as new as you might think.

Here is a brief history of pet insurance to give you some additional context.

The first pet insurance policy was written by Claes Virgin in 1890 in Sweden

The first pet insurance policy was issued in the U.K. in 1947

The first pet insurance policy in the U.S. to TV dog Lassie in 1982

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Best cat insurance

Best cat insurance

Trupanion offers one simple insurance plan for your cat with 90% coverage and no payout limits. Monthly cat insurance premiums are based on your location, cat’s breed, cat's gender and age at time of enrollment

By obtaining the best cat insurance available, you will have peace of mind that in case of an illness or accident, your cat can be well cared for without a financial burden 

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A couple of points if you are looking for pet insurance

A couple of points if you are looking for pet insurance

You need to be aware that once you have a mature dog (usually 8 years old) new insurance companies won't take you so you are locked in with your current insurer

In our case (E&L) our dog(12years old) had a growth on her leg a couple of years ago and although it was benign the company excluded and further growths including cancer from our policy, this year she has had pyometra and she has a heart condition

Check with you vet who they recommend and more importantly who they don't, our vet will wait for payment from some insurers but not for others based on who queries every little thing, who takes months to payout

We have just paid out £1500 but because she is a mature dog the limit we can claim is £500 less 35% of vets fee the total we are due is £280 for the Pyometra and £130 for the heart. We haven't recieved the payout yet! but we have recieved a letter saying they will no longer cover the heart( the pyometra she can't get again because she had her uterus removered) We can't move because of her age. In our experience I would take out insurance for the first year when anything that your dog was born with show itself but after that I wouldn't insure again

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Pet Insurance , Is it right for you

Pet Insurance , Is it right for you

Of the estimated $45.4 billion Americans spent on their pets in 2009, $12.2 billion - 27% of the total cost  was expected to be devoted to veterinary care, according to the American Pet Products Association. That would be a 10% increase from 2008

But pet owners with insurance are still a small minority. The American Veterinary Medical Association estimates that in 2007, 72 million dogs and nearly 82 million cats were kept as pets in the U.S. Yet there were only 850,000 pet insurance policies in effect that year, according to the National Commission on Veterinary Economic Issues

Insurers have teamed with the American Kennel Club and Petco Animal Supplies to offer the insurance, and more than 1,600 companies - including Office Depot and Google - provide the coverage as an optional employee benefit

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Pet insurance policies are similar to human insurance policies

Pet insurance policies are similar to human insurance policies

Most companies start policies at age 6-8 weeks, some have no age limit, and of the others I researched, one had a limit of 27 years, others had a limit of 8 years of age (if the animal was insured when less than 8 years, coverage would continue beyond 8 years

Pet health policies are similar to human insurance policies; annual premiums, deductibles, and different coverage plans based on what the owner chooses. Plans are based on species, age, pre-existing conditions and in some cases, lifestyle of the pet (i.e. indoor vs. outdoor cat)

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Pet insurance company

Pet insurance company

Question 1: Are clients able to go to any veterinarian, or only through your insurance providers

Answer: Our policyholders are allowed to visit any licensed veterinarian in the United States or Canada

Question 2: How long has your company been in business, and where are you based

Answer: We were incorporated In January 2013, but sold our first policy this month (October 2013)

Question 3: Are age-related (senior) checkups, illnesses, and medications covered

Answer: Depends on the plan that the customer enrolls in for their pet. All pets are eligible to enroll in the Level 1 plan no matter their age

 Question 4: Are hereditary and breed-related conditions covered

Answer: We have 2 plans: Level 3 and Level 4 that have some coverage for hereditary and congenital conditions

Question 5: Does your company offer wellness plans

Answer: Yes we have two wellness options available on our Level 3 and Level 4 plans. We have routine and advanced option plans that the consumer can choose from, depending on the level of coverage that is right for them and their pet

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Cost of pet insurance

Cost of pet insurance

Deductibles and co-pays (also called "co-insurance"), are intended to lessen both the number of total claims paid, and the number of unnecessary procedures and diagnostic tests

Some companies will charge a flat deductible of $50 to $100, depending on the age of the pet, for each procedure; in addition almost all policies will require a co-pay of 10% to 20% of the veterinarian's fee

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Pet health insurance policies

Pet health insurance policies

One of the most common is the "pre-existing condition" exclusion, which can be defined loosely as "injuries, medical conditions and symptoms of concern that were evident prior to enrollment"

Other exclusions may include neutering/spaying, hip-dysplasia, vaccinations, flea control, heartworm medication, dental care, or limitations for certain illnesses of cats not neutered prior to first birthday

All pet health insurance policies have exclusions

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