There are a lot of choices when it comes to pet insurance for your dog. The best way to pick a provider is to determine what type of coverage you’d like and how much you can afford to pay for it each month. Once you’ve done that, look at the options that each provider has and decide which one feels right for you.
Petplan is a top-rated provider that offers several plan tiers and annual reimbursement maximums to help you find a budget-friendly option. Its accident coverage covers medical costs from injuries and emergencies such as bite wounds, broken bones, swallowed objects, and toxic ingestions. It also covers the cost of diagnostic services like X-rays, MRIs, and ultrasounds. The company also reimburses for treatments that your vet recommends including acupuncture, physiotherapy, and chiropractic care. Its illness coverage covers prescription drugs, hospitalization, and surgery as well as nonroutine dental work, alternative treatments, and hereditary conditions.
Many pet parents choose to insure their pets because of the peace of mind it provides. The right policy can give you the financial security to take your pet to the vet when needed, so you can rest assured they are getting the care they deserve.
When choosing a pet insurance policy, it is important to understand how each provider handles pre-existing conditions and waiting periods. These are a set of rules and regulations that dictate whether or not a condition will be covered by the policy. A few common examples of pre-existing conditions include diarrhea, ear infections, and joint diseases like arthritis or hip dysplasia. If your pet has a pre-existing condition when you sign up for a policy, it will be excluded from coverage, unless it is considered curable at the time of enrollment. This means that your pet has to have had no recurring symptoms for a specific period of time, which varies by provider.
Another issue to keep in mind is how long a policy lasts. Most policies will only cover your pet for a certain amount of years, which could leave you with high medical bills if something happens to them during that time. However, there are providers that offer lifetime coverage so you can be sure your pet is protected for the rest of their life.
Figo is another top-rated provider that gives you the freedom to choose a plan that fits your budget. Its accident and illness plan has a range of annual reimbursement limits to fit any budget, along with a variety of deductible options. Its stand-out features are its “Powerups” that cover items like vacation cancellation due to pet emergencies, lost-pet advertising, and vet-recommended behavioral treatment. Like most insurers, Figo doesn’t cover pre-existing conditions, but it does offer a transparency report after your pet’s first month on the plan to allow you to see what their definition of a curable pre-existing condition is. pet insurance for dog