The cost of veterinary care is something that everyone should consider before bringing a pet home. Even routine vet visits each year for exams and vaccines can be costly. If your pet suddenly becomes ill or injured, an emergency vet bill can cost anywhere from a few hundred to a few thousand dollars and beyond.
While this sounds scary, there’s good news. With pet insurance, some or most of your pet’s medical care costs will be reimbursed to you. Here, we reviewed pet insurance plans in Illinois so that if the worst happens, your pet can have protection.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Lemonade Pet Insurance
Claims processed through an app
High coverage limits
Donates to charity
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Spot Pet Insurance
$100 deductible available
Multi-pet discount
Optional wellness plans
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Trupanion Pet Insurance
24-hour customer service
One comprehensive plan
Available add-ons for more coverage
Click to Get Quote
Geico Pet Insurance
Over 300 ways to personalize plans
Works with all budgets
Multiple discounts available
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Nationwide Pet Insurance
Covers prescriptions
Discounts for bundling policies
Covers exotic pets
Click to Get Quote
Our 15 Pet Insurance Reviews in Illinois
- Lemonade Pet Insurance — Best Overall
Compare Lemonade Plans Lemonade Pet Insurance is a newcomer, arriving on the scene in 2016. This company has topped our list for a number of reasons and the first being its ease of use. You don’t need to speak with a real person to file a claim. Lemonade makes this easy by using an AI process, in that you submit claims through an app. Skipping the paperwork and submitting all of your information from your phone makes this company way more convenient to deal with than a traditional insurance company.
Lemonade also offers some of the cheapest policies that we’ve seen and has high coverage limits. After claims and expenses are paid, this company donates up to 40% of the leftover money to charities. When you sign up, you have a choice of which charity you’d like your money to go to.
Compare Lemonade Plans
Lemonade Pet Insurance is a newcomer, arriving on the scene in 2016. This company has topped our list for a number of reasons and the first being its ease of use. You don’t need to speak with a real person to file a claim. Lemonade makes this easy by using an AI process, in that you submit claims through an app. Skipping the paperwork and submitting all of your information from your phone makes this company way more convenient to deal with than a traditional insurance company.
In addition to the Extended Accident and Illness Package, you can choose to add on a Preventative and Wellness Package. This will help cover wellness exams, vaccines, and blood tests for routine care.
If you choose to bundle your home or life insurance with pet insurance, you can save 10%.
Pros
Bundle policies to save money
Claims processed through an app
High coverage limits
Donates to charity
Cons
Filing claims may be confusing the first time around
- Spot Pet Insurance
Compare Spot Plans Spot Pet Insurance offers a choice of several annual coverage limits to help give you more options for your budget. There are six possible limits to choose from, ranging from $2,500 to unlimited, so you can pick the plan that works best for your pet.
We also like Spot’s deductible options. Five options range from $100 to $1,000, with reimbursements at 70%, 80%, or 90%. With these choices, you are sure to find a plan that offers the coverage that you need while also being affordable. The company does require a 14-day waiting period for accident coverage when other companies require just a few days.
Bundle policies to save money
Claims processed through an app
High coverage limits
Donates to charity
- Bundle policies to save money
- Claims processed through an app
- High coverage limits
- Donates to charity
Filing claims may be confusing the first time around
- Filing claims may be confusing the first time around
Compare Spot Plans
Spot Pet Insurance offers a choice of several annual coverage limits to help give you more options for your budget. There are six possible limits to choose from, ranging from $2,500 to unlimited, so you can pick the plan that works best for your pet.
Spot offers two wellness and preventative care coverage options. The Gold Preventative Care option will reimburse you up to $250 per year. The Platinum Preventative Care plan will reimburse you up to $450 per year and offers more comprehensive coverage, including spaying or neutering. This is a good option for those looking for coverage for routine veterinary care. However, Spot has a payout limit for each expense covered under each. For example, it will only reimburse up to $50 per year for a wellness exam under the Gold plan.
If you enroll multiple pets, you’ll receive a 10% discount. Spot’s Accident and Illness Plan covers all emergencies, even cancer treatment, and includes prescriptions.
Pros
$100 deductible available
Multi-pet discount
Optional wellness plans
Six annual coverage limit options
Cons
Long waiting periods for accident coverage
Payout limit for services in wellness plans
- Trupanion Pet Insurance
Compare Trupanion Plans Trupanion Pet Insurance offers coverage under one comprehensive plan. Accidents, illnesses, and emergencies are covered, including hospitalizations and surgeries. Even though there is only one plan offered, it includes hereditary and congenital conditions.
Along with this one plan, pet owners can opt to add on a Pet Owner Assistance Package to help with veterinary costs and a Recovery and Complementary Care Rider. This helps cover costs associated with acupuncture, rehabilitation, and chiropractic care.
$100 deductible available
Multi-pet discount
Optional wellness plans
Six annual coverage limit options
- $100 deductible available
- Multi-pet discount
- Optional wellness plans
- Six annual coverage limit options
Long waiting periods for accident coverage
Payout limit for services in wellness plans
- Long waiting periods for accident coverage
- Payout limit for services in wellness plans
Compare Trupanion Plans
Trupanion Pet Insurance offers coverage under one comprehensive plan. Accidents, illnesses, and emergencies are covered, including hospitalizations and surgeries. Even though there is only one plan offered, it includes hereditary and congenital conditions.
Trupanion does not cover wellness care, like vaccinations. There is also a 30-day waiting period for illnesses, which is longer than that of some other companies. Reimbursement options depend on your state and vary from 50%–90%. There is also a 24-hour customer service line, so you can get the help that you need at any time.
Pros
24-hour customer service
One comprehensive plan
Available add-ons for more coverage
Cons
Long waiting periods
No wellness coverage in the basic plan
4. Geico Pet Insurance
Compare Geico Plans Geico Pet Insurance offers plans that fit every budget, making it the best value pet insurance plan in Illinois. Discounts are given for pets that are spayed or neutered, and you can receive a discount of up to 10% by enrolling multiple pets at once. There are three wellness plans to choose from, and if you combine all the different customization options, there are over 300 ways to personalize your plan. Your pet can get all the coverage that you want for them without you paying a fortune for it.
While the policies are Geico’s, they are serviced through Embrace. Since it’s the top company on this list, it shouldn’t be a problem to let Embrace do the work when it comes to your claims.
24-hour customer service
One comprehensive plan
Available add-ons for more coverage
- 24-hour customer service
- One comprehensive plan
- Available add-ons for more coverage
Long waiting periods
No wellness coverage in the basic plan
- Long waiting periods
- No wellness coverage in the basic plan
Compare Geico Plans
Geico Pet Insurance offers plans that fit every budget, making it the best value pet insurance plan in Illinois. Discounts are given for pets that are spayed or neutered, and you can receive a discount of up to 10% by enrolling multiple pets at once. There are three wellness plans to choose from, and if you combine all the different customization options, there are over 300 ways to personalize your plan. Your pet can get all the coverage that you want for them without you paying a fortune for it.
Geico offers Wellness Plans, but they are on the pricey side for what you get from them. You pay a flat rate for them, regardless of your pet’s age, breed, or health status. Once the premiums are paid, each plan will help you see around $25 in savings.
For its flexibility, customization, and price, Geico is still the best value pet insurance on this list and is worth checking out.
Pros
Over 300 ways to personalize plans
Works with all budgets
Multiple discounts available
Cons
Claims go through Embrace
Wellness Plan is expensive with little return
- Nationwide Pet Insurance
Compare Nationwide Plans One of the unique things about Nationwide Pet Insurance is that it covers exotic pets like birds, turtles, guinea pigs, and more. Nationwide acquired Veterinary Pet Insurance in 2009, which was founded in 1982 and the first pet insurance company in the United States.
If you’re bundling your policies, Nationwide offers a discount. You can get life, auto, and homeowners’ insurance through this company too. There are three pet insurance plans to choose from: Major Medical, Whole Pet, and Wellness. The Wellness plan can be added as a rider to the first two to maximize your coverage.
Over 300 ways to personalize plans
Works with all budgets
Multiple discounts available
- Over 300 ways to personalize plans
- Works with all budgets
- Multiple discounts available
Claims go through Embrace
Wellness Plan is expensive with little return
- Claims go through Embrace
- Wellness Plan is expensive with little return
Compare Nationwide Plans
One of the unique things about Nationwide Pet Insurance is that it covers exotic pets like birds, turtles, guinea pigs, and more. Nationwide acquired Veterinary Pet Insurance in 2009, which was founded in 1982 and the first pet insurance company in the United States.
Nationwide policies tend to be more expensive than some others on this list, but it has a few perks that may offset this. First, pets with chronic conditions can enjoy a per-condition deductible, which can help save money. Also, both Whole Pet and Major Medical cover prescriptions, which can help cut costs in other places.
Nationwide is a premium pet insurance provider, so the premium costs may be justified. It can help you save more money down the road if your pet experiences chronic health conditions or requires emergency surgery.
Pros
Covers prescriptions
Discounts for bundling policies
Covers exotic pets
Offers a wide range of coverage
Cons
Expensive
- Healthy Paws Pet Insurance
Compare Healthy Paws Plans Healthy Paws Pet Insurance offers coverage for dogs and cats with no cap on claims payouts. It’s also fast about processing those claims, with many of them processed within 2 days.
There is only one plan available, however, and it covers accidents and illnesses. There are no accident-only or wellness options. Exam fees for accidents and illnesses are not covered. There are also age restrictions for senior pets.
Covers prescriptions
Discounts for bundling policies
Covers exotic pets
Offers a wide range of coverage
- Covers prescriptions
- Discounts for bundling policies
- Covers exotic pets
- Offers a wide range of coverage
Expensive
- Expensive
Compare Healthy Paws Plans
Healthy Paws Pet Insurance offers coverage for dogs and cats with no cap on claims payouts. It’s also fast about processing those claims, with many of them processed within 2 days.
Diagnostic tests, prescriptions, and even a few dental conditions are covered, and we like that it covers congenital conditions too.
This coverage is great for emergencies or chronic conditions. If you like getting paid as quickly as possible, this is also a good option, but you’ll be sacrificing the ability to customize your pet’s plan and get coverage for a wider variety of veterinary services.
Pros
No limit on payouts
Claims are processed within 2 days
Covers accidents, illnesses, and emergencies
Cons
No customization options
Age restrictions
No wellness options
- Embrace Pet Insurance
Compare Embrace Plans Embrace Pet Insurance is another great pet insurance plan in Illinois for a few reasons. It offers a range of customizable plans including accident-only, which can help save you money if you don’t want wider coverage. If you do want more coverage, pets must be enrolled before they are 14 years old, or else they are only eligible for accident-only plans.
The Wellness Rewards plan can help you pay for routine care for your pet, such as vaccinations, exams, and even flea-and-tick treatments. The standard policy that Embrace offers covers a wide range of things, including treatment, hospitalization, surgery, diagnostic testing, and up to $1,000 a year for dental illnesses. This dental coverage is unique and not something that is offered by many other companies. You can also see specialists, like behaviorists and oncologists, with this policy.
No limit on payouts
Claims are processed within 2 days
Covers accidents, illnesses, and emergencies
- No limit on payouts
- Claims are processed within 2 days
- Covers accidents, illnesses, and emergencies
No customization options
Age restrictions
No wellness options
- No customization options
- Age restrictions
- No wellness options
Compare Embrace Plans
Embrace Pet Insurance is another great pet insurance plan in Illinois for a few reasons. It offers a range of customizable plans including accident-only, which can help save you money if you don’t want wider coverage. If you do want more coverage, pets must be enrolled before they are 14 years old, or else they are only eligible for accident-only plans.
Embrace offers shrinking deductibles, which is a nice benefit. For every year that you don’t file a claim, your deductible is reduced by $50. This can continue until it reaches $0. If and when you ever file a claim, you’ll pay your current deductible, and then it will reset at the original cost.
The claims are also easy to file online. The coverage, diminishing deductibles, and plan options earn Embrace the top spot on this list.
Pros
Shrinking deductible
Plans are customizable
Accident-only coverage
Dental coverage
Cons
Pets over 14 can only receive accident-only coverage
8. Progressive Pet Insurance
Compare Progressive Plans Progressive Pet Insurance offers flexible policy options that include accident-only, accident and illness, and wellness. There are various deductibles and reimbursement levels, so you can choose the plan that fits your budget. If you enroll online or enroll multiple pets, you can receive discounts.
These diverse plans can be obtained for low prices, some as low as $6–$10 per month. Something unique that this company offers is the ability to pay your vet directly. All you need to cover is your coinsurance.
Shrinking deductible
Plans are customizable
Accident-only coverage
Dental coverage
- Shrinking deductible
- Plans are customizable
- Accident-only coverage
- Dental coverage
Pets over 14 can only receive accident-only coverage
- Pets over 14 can only receive accident-only coverage
Compare Progressive Plans
Progressive Pet Insurance offers flexible policy options that include accident-only, accident and illness, and wellness. There are various deductibles and reimbursement levels, so you can choose the plan that fits your budget. If you enroll online or enroll multiple pets, you can receive discounts.
There are only two annual limit options and no accident-only plans available. The website is also lacking and doesn’t provide much information on the available policies.
Pros
Discounts available
Flexible options
Affordable policies
Cons
Sparse website
No accident-only option
- ASPCA Pet Insurance
Compare ASPCA Plans Multi-pet households can receive a 10% discount with ASPCA Pet Insurance if you enroll more than one pet at once. It has an accident-only policy so you can save even more money. The company offers a Complete Coverage plan that includes accidents and illnesses. Specific conditions are covered under this plan, including hyperthyroidism, eye disorders, and diabetes. This is helpful because you don’t need multiple add-ons for comprehensive coverage. You have the option to add wellness coverage to the plan to help pay for preventative care.
There are five annual limits ranging from $3,000 to $10,000. You also have a choice of three deductibles and three reimbursement options, so you can find the right plan for your budget.
Discounts available
Flexible options
Affordable policies
- Discounts available
- Flexible options
- Affordable policies
Sparse website
No accident-only option
- Sparse website
- No accident-only option
Compare ASPCA Plans
Multi-pet households can receive a 10% discount with ASPCA Pet Insurance if you enroll more than one pet at once. It has an accident-only policy so you can save even more money. The company offers a Complete Coverage plan that includes accidents and illnesses. Specific conditions are covered under this plan, including hyperthyroidism, eye disorders, and diabetes. This is helpful because you don’t need multiple add-ons for comprehensive coverage. You have the option to add wellness coverage to the plan to help pay for preventative care.
The claims can take a while to be processed, which means you’ll be waiting for your money. The company also doesn’t offer unlimited coverage.
Pros
Covers specific conditions
Annual limit, deductible, and reimbursement options
Cons
Takes time to be reimbursed
No unlimited coverage option
10. Figo Pet Insurance
Compare Figo Plans Figo Pet Insurance offers three customizable plans for pets that are at least 8 weeks old. You can even choose plans with 100% reimbursement or unlimited annual benefits. Claims can be submitted by phone, fax, or email. The company responds to these claims quickly, usually within 2 days.
The plans are Essential, Preferred, and Ultimate. The difference between them is the annual benefit amounts. You can add on coverage for veterinary exam fees that are associated with emergencies, accidents, or illnesses. Wellness can be added on for routine care coverage. The company does have a lifetime coverage limit, though. If your pet is quite sick, there may be a limit to the reimbursements that you can receive.
Covers specific conditions
Annual limit, deductible, and reimbursement options
- Covers specific conditions
- Annual limit, deductible, and reimbursement options
Takes time to be reimbursed
No unlimited coverage option
- Takes time to be reimbursed
- No unlimited coverage option
Compare Figo Plans
Figo Pet Insurance offers three customizable plans for pets that are at least 8 weeks old. You can even choose plans with 100% reimbursement or unlimited annual benefits. Claims can be submitted by phone, fax, or email. The company responds to these claims quickly, usually within 2 days.
Something unique that this company offers is the Extra Care Pack. With this add-on, you can have coverage for things like cremations and burials. You can even get coverage for vacations that were canceled due to pet emergencies and pet theft or loss.
Pros
Offers 100% reimbursement option
Extra Care Pack and other add-ons available
Cons
Lifetime coverage limit
- AKC Pet Insurance
Compare AKC Plans A nice benefit of AKC Pet Insurance is a free 30-day trial of all plans, which the customers can cancel at any time unless a claim has been filed. There are five affordable plan levels for the same coverage. The differences are the annual limits and deductibles.
This is an affordable option, but the base plan does not cover genetic conditions, preventative care, or exams. For pets over 9 years old, only accident coverage is available. There is no illness coverage provided. If your pet was enrolled before they were 9 years old, they won’t lose their illness coverage as they age.
Offers 100% reimbursement option
Extra Care Pack and other add-ons available
- Offers 100% reimbursement option
- Extra Care Pack and other add-ons available
Lifetime coverage limit
- Lifetime coverage limit
Compare AKC Plans
A nice benefit of AKC Pet Insurance is a free 30-day trial of all plans, which the customers can cancel at any time unless a claim has been filed. There are five affordable plan levels for the same coverage. The differences are the annual limits and deductibles.
What is unique about AKC is that it offers coverage for breeding in an add-on policy. Breeding services are not covered by many pet insurances. It will offer reimbursements for accidents or other complications involving breeding, nursing, or pregnant dogs. This coverage is not extended to cats but will cover male dogs too.
Pros
30-day free trial
Includes breeding coverage
Affordable
Cons
Base coverage excludes certain conditions
Newly enrolled pets over 9 can only receive accident coverage
- Pumpkin Pet Insurance
Compare Pumpkin Plans Pumpkin Pet Insurance makes sure you take care of your pet — by charging you more if you don’t. You’ll be asked questions about your pet’s lifestyle because it focuses on preventative care. Pumpkin wants to you advocate for your pet’s health not only to keep the animal healthy but also to reduce the number of claims that you’ll have to file if your pet’s health is neglected. Pumpkin will pay for preventative, routine care and even remind you of your pet’s vet appointments.
Unlimited annual coverage is available for dogs and cats. There is a 14-day accident waiting period, which seems long compared to some other companies. No accident-only coverage plan is offered.
30-day free trial
Includes breeding coverage
Affordable
- 30-day free trial
- Includes breeding coverage
- Affordable
Base coverage excludes certain conditions
Newly enrolled pets over 9 can only receive accident coverage
- Base coverage excludes certain conditions
- Newly enrolled pets over 9 can only receive accident coverage
Compare Pumpkin Plans
Pumpkin Pet Insurance makes sure you take care of your pet — by charging you more if you don’t. You’ll be asked questions about your pet’s lifestyle because it focuses on preventative care. Pumpkin wants to you advocate for your pet’s health not only to keep the animal healthy but also to reduce the number of claims that you’ll have to file if your pet’s health is neglected. Pumpkin will pay for preventative, routine care and even remind you of your pet’s vet appointments.
Pumpkin is a good choice for those with healthy pets. If you are committed to preventative care, this will help offset some of your costs. If your pet has chronic conditions, this insurance may not cover everything that you need.
Pros
Focuses on preventative care
Reminds you of vet appointments
Cons
Long waiting periods
Not ideal for pets with chronic conditions
- Hartville Pet Insurance
Compare Hartville Plans Hartville Pet Insurance offers flat-rate policies, so you won’t be charged more if your pet is older. For senior pets that may have needs for certain treatments, this is helpful. The company also offers accident-only coverage.
There’s a 30-day free trial that you can check out before making a decision to see if the plan is right for your pet. There isn’t much preventative care coverage, and the premiums are higher than those of some other companies.
Focuses on preventative care
Reminds you of vet appointments
- Focuses on preventative care
- Reminds you of vet appointments
Long waiting periods
Not ideal for pets with chronic conditions
- Long waiting periods
- Not ideal for pets with chronic conditions
Compare Hartville Plans
Hartville Pet Insurance offers flat-rate policies, so you won’t be charged more if your pet is older. For senior pets that may have needs for certain treatments, this is helpful. The company also offers accident-only coverage.
However, if you’ve just adopted a senior pet and are looking for coverage, Hartville may be a good option. There are fewer restrictions on senior pets. Some companies charge more for senior pets or refuse to offer coverage to them at all.
Pros
No age limits
30-day free trial
Offer accident-only coverage
Cons
Expensive
Limited preventative coverage
- USAA Pet Insurance
Compare USAA Plans USAA Pet Insurance is exclusively available to current or former military members and their families. The United States Automobile Association (USAA) partnered with Embrace to offer pet insurance. If you are not a member of the military, you can still opt to get pet insurance through Embrace.
USAA offers two plans: Accident & Illness and Accident-Only. The waiting period before customers can file a claim is 2 weeks, which is longer than most other companies.
No age limits
30-day free trial
Offer accident-only coverage
- No age limits
- 30-day free trial
- Offer accident-only coverage
Expensive
Limited preventative coverage
- Expensive
- Limited preventative coverage
Compare USAA Plans
USAA Pet Insurance is exclusively available to current or former military members and their families. The United States Automobile Association (USAA) partnered with Embrace to offer pet insurance. If you are not a member of the military, you can still opt to get pet insurance through Embrace.
A nice perk of this company is that if your pet has been symptom free for one year from a pre-existing condition and it suddenly resurfaces, the insurance will cover it. Pre-existing condition coverage is almost unheard of in the pet insurance world.
Reimbursement can take a while after a claim is filed, and this insurance is not available to everyone, so it’s low on this list.
Pros
Covers pre-existing conditions
Accident-only coverage
Cons
Only available to military members
Claims take time to process
Long waiting period for accident coverage
- Bivvy Pet Insurance
Compare Bivvy Plans Bivvy Pet Insurance offers one plan at one low price. It has a reimbursement limit of just a few thousand dollars each year. For healthy pets, this is fine. But if your pet needs numerous vet visits and treatments, you could end up paying much more than the low premium cost each month.
There is a 14-day waiting period for accidents and a 30-day waiting period for illnesses, which seems extreme. There are no restrictions on age, which is nice for senior pets.
Covers pre-existing conditions
Accident-only coverage
- Covers pre-existing conditions
- Accident-only coverage
Only available to military members
Claims take time to process
Long waiting period for accident coverage
- Only available to military members
- Claims take time to process
- Long waiting period for accident coverage
Compare Bivvy Plans
Bivvy Pet Insurance offers one plan at one low price. It has a reimbursement limit of just a few thousand dollars each year. For healthy pets, this is fine. But if your pet needs numerous vet visits and treatments, you could end up paying much more than the low premium cost each month.
This insurance is not available throughout the country yet. Bivvy can be beneficial for those who just want basic coverage without having to pick and choose customization options and figure out premium prices. This is a simple plan with limited benefits.
Pros
One simple plan
Low cost
No age restrictions
Cons
30-day waiting period
Limited offerings
Buyer’s Guide: Choosing the Right Pet Insurance Provider in Illinois
What to Look For in Pet Insurance
It can be difficult to choose a pet insurance provider. So many companies claim to have the best option. Comparing them can be overwhelming because each one offers so many different things. Here are a few of the factors that we used to determine our pet insurance provider picks for this list.
One simple plan
Low cost
No age restrictions
- One simple plan
- Low cost
- No age restrictions
30-day waiting period
Limited offerings
- 30-day waiting period
- Limited offerings
Policy Coverage
Policy coverage is the most important thing to consider when choosing a pet insurance company. Each policy varies, and some can be vastly different from the others. Companies that offer a wide range of coverage for various conditions should be considered first, along with those that enable you to customize your policy to suit the needs of your pet.
Since each pet is different, they require different levels of care and coverage. Certain policies let you add on extras, like wellness packages. Sometimes, a company that only offers one plan can seem simple enough, and in many cases, this is true. However, you know your pet’s needs best and what policy you’ll be comfortable with. Choose the one that’s right for you.
Customer Service & Reputation
If you’re dealing with a pet emergency or sadly, a tragedy, the last thing that you want to do is fight with your pet insurance company for reimbursements. Since people communicate with their pet insurance companies during highly emotional times, these companies must offer superior customer service and have a strong reputation in that department.
Your company’s customer service should make every experience with them easy, even if your claim is for routine care. Companies with great reputations for customer care should be looked at closely.
There are also companies that don’t use real people at all for their customer service and instead have customers make claims through an app. This way, if the customer doesn’t want to talk to anyone, they don’t have to. Everything is digital and then your claim is processed.
Claim Repayment
The whole point of pet insurance is to help offset the cost of your pet’s medical care. Companies that have straightforward claim processes and pay their claims efficiently were chosen for this list. Some claims are paid instantly, while others can take anywhere from a few days to a few weeks. Any company that had a reputation for not paying or always finding a reason to deny claims was not considered. Your individual company will determine how long you must wait for your claim repayment, but with a good company, you won’t be left wondering whether you’re getting the money at all.
Price of Policy
Price is an important factor to consider because the plans should be affordable but still offer decent coverage. Some plans are cheap and may seem enticing, but when you read the fine print, you’ll discover that they don’t cover much of anything at all.
Many of the prices of pet insurance policies on this list are comparable. If anything was too low or too high, it likely didn’t make our list because the coverage was lacking in some way. You don’t want to pay astronomical prices for mediocre coverage. You also don’t want to pay for something that will never benefit you, because even if it’s cheap, it’s still a waste of money.
The best price for a policy will be something that you can easily afford and still offers you peace of mind and protection for your pet.
Plan Customization
Customization is important if you’re looking for specialized coverage for your pet. However, if your pet is young and healthy, you may be able to get a straightforward plan that offers you everything that you need. In this case, customizing doesn’t have to be something that you seek out in an insurance company.
Even so, customizing is always preferred in our rankings because the customer should have the option to choose everything — or at least, almost everything — that will keep their pet healthy. There is not one certain pet insurance policy that will work for every single animal, so the customizing options are important.
How Do I Know If I Need Pet Insurance?
You can be a good, responsible pet owner and not have pet insurance. This is a personal decision that only you can make. Before welcoming a pet into your home, you should be sure you can financially provide for them. This goes beyond food, treats, and a few toys. Veterinary care is extremely important for their health, comfort, and longevity.
Accidents, illnesses, and emergencies can happen at any time. Are you financially prepared to pay a surprise vet bill that may be thousands of dollars? People who can pay these bills and not be financially impacted may choose not to get pet insurance. The added expense of a premium each month or an annual payment is not necessary for them.
Other pet owners enjoy the peace of mind that comes with knowing that their pet is covered in a worst-case scenario. Some policies offer money back on routine wellness care, so pet owners can enjoy receiving money off their regular vet bills.
Consider your budget, your pet’s health, and what would happen if an emergency occurred. Then, you can decide for yourself if pet insurance is right for you.
What If My Pet Insurance Company Is Not Listed In Your Reviews?
That’s okay! We trust that you’ve made the right choice. If you’re satisfied with your coverage and the service that you receive, there’s no reason to change it. If it doesn’t appear in this list, that doesn’t mean it’s a bad pet insurance company.
However, if this list has made you think twice about your decision, you can always make a change to something that feels more comfortable. The pet insurance industry is growing and new providers are appearing all the time. There is no one-size-fits-all insurance for pets, and you can choose the one that meets at least most of your specific needs.
What Is The Most Affordable Pet Insurance?
The most affordable pet insurance will differ for everyone. What is affordable to one person may not be to the next. The right pet insurance for you will be one that fits into your budget easily and covers the things that you need the most. For many people, this means accidents and emergencies. Many companies have accident-only policies, which tend to be cheaper than complete coverage. If you’d like to be covered in case of the unexpected, these may be the most affordable options that you can find.
What If My Vet Doesn’t Take My Pet Insurance?
The beauty of pet insurance is that this is something that you don’t have to worry about constantly. As long as you bring your pet to a licensed veterinarian, your pet insurance will reimburse you for any eligible claims. Pet insurance differs from human health insurance because you are required to pay all your pet’s medical bills in full at the time of treatment. Most pet insurance companies don’t pay the vet. They reimburse you for a percentage of your costs based on your chosen policy and what it covers. This is why you don’t have to worry about whether your vet accepts your insurance.
Which Pet Insurance Provider Is Best For You?
If you don’t have a pet insurance provider yet, the ones on this list are here for a reason. You can start the process by comparing and contrasting our chosen companies to see if they will be affordable to you and provide what you need.
Consider your pet’s health and the services that they may require in the future. Decide if you’d like the maximum coverage or would feel comfortable with an accident-only plan. Remember that many pet insurance companies do not cover pre-existing conditions. Any condition that your pet has been diagnosed with before your policy is purchased is considered pre-existing. Some companies do cover these conditions, but it’s not common.
The right pet insurance provider for you will be one that you are happy with in all aspects, including customer service and the speed of reimbursements. You may have to sacrifice in one area to get a better perk in another. Decide what’s most important to you, and then you can begin to choose your provider.
Conclusion
Finding the right pet insurance coverage is a difficult task. Choosing a company is hard enough, and then comes the task of choosing the right policy and coverage option. We hope that you were able to navigate this list and see the different choices available to you.
The most important thing is that your pet is covered in case of the unexpected. Pets can get sick or hurt at any time, and it’s a comfort to know that you won’t be stuck with any added expenses when you aren’t prepared for it.
See also:
- 10 Best Pet Insurance in Kansas: Reviews and Top Picks
- 7 Best Pet Insurance Plans in Nevada: Reviews & Top Picks
- 10 Best Pet Insurance Plans in Illinois – Reviews & Top Picks
Featured Image Credit: Drazen Zigic, Shutterstock
