As a pet parent, you understand that taking care of your pet can be expensive. Vet bills can add up quickly, and if you don’t have the right pet insurance plan, it can be hard to come up with the money to meet the bill. Sometimes it may seem like pet insurance is an expense you can’t afford or never use.
One of the great things about some pet insurance plans is that they cover surgeries, including cataract surgery. It is one of the most common surgeries pets need; unfortunately, it’s expensive. Luckily, a few pet insurance companies cover this surgery fully or partially, and we’ll examine them below.
A Quick Look at Our Favorites in 2023
Image Product Details
Best Overall
Lemonade
Affordable
Allows customization
Offers 80% reimbursement
Click to Get Quote
Best Value
MetLife
Extremely affordable
Covers up to 80% of the surgery
Click to Get Quote
Nationwide
Very affordable
Cataract surgery covered by all tiers
Many coverage options are available
Click to Get Quote
Trupanion
Company is well-liked and trusted
Covers surgery if pet is born with cataracts
Many add-on coverages available
Click to Get Quote
Embrace
Partial coverage for cataract surgery
Offers coverage for exam fees
Apps for policy management
Click to Get Quote
Comparing 6 Pet Insurance Plans for Cataract Surgery
- Lemonade Pet Insurance – Best Overall Compare Lemonade PlansLemonade pet insurance is our top pick for having the best plan for cataract surgery for your pet. They offer up to 80% reimbursement for cataract surgeries with their gold or platinum insurance plans.
There are also other good things about Lemonade to consider. They are affordable and allow customization of their plans. They have plenty of add-ons, and some of their policies start for as low as $12 a month, which is hard to beat in the insurance world.
However, Lemonade pet insurance is only available in 35 states, and you’ll need to check the website to ensure they serve customers in your location. The company also doesn’t provide some coverage options that other providers do, such as mental health or dental coverage.
Affordable
Allows customization
Offers 80% reimbursement
- Affordable
- Allows customization
- Offers 80% reimbursement
Fails to offer coverage that some other providers do
Isn’t available in every state
- Fails to offer coverage that some other providers do
- Isn’t available in every state
- MetLife Pet Insurance – Best Value Compare MetLife PlansOur pick for the best insurance for the money is MetLife Pet Insurance. It is a company that many people are familiar with since they sell various types of insurance. They used to be PetFirst insurance but were taken over in 2020 and renamed. MetLife provides cataract surgery coverage and has some of the best rates around for pet insurance, with policies starting at as little as $9 a month.
They can reimburse up to 80% of the surgery costs or up to $2,000. Since cataract surgery costs between $2,000 and $4,000 on average, this is great news for pet owners and makes this provider extremely affordable.
The only drawback we could find is that the company is under new management and doesn’t have a solid track record.
Extremely affordable
Covers up to 80% of the surgery
- Extremely affordable
- Covers up to 80% of the surgery
Company is still unproven under new management
- Company is still unproven under new management
- Nationwide Pet Insurance Compare Nationwide PlansNationwide Pet Insurance claims the number three spot on our list just for its affordability. It is also one of the most recognized insurance companies in the world. They cover cataract surgery for dogs and cats, and it’s covered in every tier they offer. Their lowest basic plan starts at $12 a month, with their premier plan running around $39 a month, which is very affordable. They also have many other coverage options available.
However, like many insurance companies, Nationwide will only cover cataract surgery for your pet if they’ve been insured for over 6 months. It’s also important to note that Nationwide will only pay for surgeries through a vet they approve, so ensure they are in the right network before scheduling your pet’s surgery.
Very affordable
Cataract surgery covered by all tiers
Many coverage options are available
- Very affordable
- Cataract surgery covered by all tiers
- Many coverage options are available
Surgery is only covered for pets who have been covered for six months
Vet must be Nationwide approved
- Surgery is only covered for pets who have been covered for six months
- Vet must be Nationwide approved
- Trupanion Pet Insurance Compare Trupanion PlansTrupanion Pet Insurance is pet insurance coverage that you can trust, and they cover cataract surgery for pets. While they are a top choice, they are a bit more expensive than some of the insurers on our list. Their coverage for dogs is around $59 a month, and coverage for cats will run you around $30 a month.
However, they only cover cataract surgery if your animal was born with cataracts or a condition that will lead to cataracts. They don’t cover cataracts that develop later in life but have many add-on coverage options. Trupanion is more expensive than others on the list but is well worth it if your animal was born with cataracts and needs surgery.
Company is well-liked and trusted
Covers surgery if pet is born with cataracts
Many add-on coverages available
- Company is well-liked and trusted
- Covers surgery if pet is born with cataracts
- Many add-on coverages available
Price is high for monthly coverage
No coverage for cataracts later in life
- Price is high for monthly coverage
- No coverage for cataracts later in life
- Embrace Pet Insurance Compare Embrace PlansEmbrace Pet Insurance offers partial coverage for cataract surgery for pets. While they have numerous plans to protect your pet, you need to read their policies carefully to ensure that cataract coverage is covered in the policy you select.
Their plans run around $50 a month for dogs and $30 for cats, which is higher than some on our list. You can add extra coverage if you want to for help with exam fees. The best thing about Embrace is their friendly customer service and the fact that you can manage your policy from an app on your phone.
The biggest drawback to a policy through Embrace is their $30,000 annual coverage limit. If you feel that you’ll need more than the capped $30,000, it’s best to go with another pet insurance provider on our list or another provider you find during your careful research.
Partial coverage for cataract surgery
Offers coverage for exam fees
Apps for policy management
- Partial coverage for cataract surgery
- Offers coverage for exam fees
- Apps for policy management
$30,000 annual coverage limit
- $30,000 annual coverage limit
- Healthy Paws Pet Insurance Compare Healthy Paws PlansLast but not least on our list of the best six pet insurance plans for cataract surgery is Healthy Paws Pet Insurance. They will pay up to 80% of the cost of the cataract surgery. Not only do they pay 80%, but they also have a speedy claims process, which is needed since this is an expensive surgery. They also donate part of the proceeds that they make to homeless animals.
They have affordable prices, with plans starting at as low as $29 a month, making them one of the best deals on our list. However, unlike other insurers, they charge more for specific breeds. It’s also a drawback that they don’t offer much customization with the plans they offer.
Covers 80% of surgery
Donates to homeless animals
Has a quick claims process
- Covers 80% of surgery
- Donates to homeless animals
- Has a quick claims process
Certain breeds have higher deductibles
No customization
- Certain breeds have higher deductibles
- No customization
Buyer’s Guide: Comparing Pet Insurance Plans for Cataract Surgery
What to Look for in Pet Insurance for Cataract Surgery
As you can see, there aren’t that many pet insurance companies that cover cataract surgery on our list, though that doesn’t mean there aren’t more out there. When you find a provider willing to cover all or even the partial cost of the surgery, you’ll want to know more about how much the plan costs, what criteria they use for the procedure, and how much of the costs the provider will pay.
In the sections below, we’ll break down what you need to be on the lookout for when choosing pet insurance for cataract surgery for your beloved pet. Once you’ve decided on the best provider for you, the only thing left is to sign on the dotted line, make your monthly payment, and be happy that your pet is covered if the worst should happen, though we all hope that it won’t.
Policy Coverage
With some insurance companies, you must purchase specific or extra coverage in order for cataract surgery to be covered under their policies. That’s hard to do ahead of time because no one knows when or even if their pet will develop cataracts. In this case, the best thing to do is look for a provider that covers a wide array of conditions and surgeries.
You want the best coverage out there for the price, even if that means adding on some things that do not come with the original policy. Take your time, do your research, and read the policy from top to bottom before signing on the dotted line.
Customer Service & Reputation
A company’s reputation and how it treats its policyholders are vital factors to consider when researching pet insurance providers. Check reviews on the provider’s website and social media sites to determine how stellar its customer service and reputation are before you make a final decision. Word of mouth is also a great way to choose an insurance provider for your pet. Talk to people you know and see who they recommend, but continue to research the various insurers.
Claim Repayment
When it comes to claim repayments, they should be prompt and cover the appropriate services. All of the providers on our list have good reputations and sterling customer service. Cataract surgery is costly, running around $4,000, barring complications.
The last thing you want is to be short of the money you need to pay your bills because the insurance company has a slow claim repayment process. It’s best to learn everything you can about the pet insurance company’s claim repayment process before signing up for pet insurance.
Price of Policy
Searching for the best possible price doesn’t mean you don’t care about your pets. Most providers on our list offer affordable prices for excellent coverage. However, it’s essential to remember that you’ve got to be willing to pay for the coverage you want. If you choose an insurer that does not include cataract surgery in a standard policy, you’ll have to pay more for a more inclusive plan. When you add extra coverage to your policy, your price and premiums will rise.
Plan Customization
Most of the providers on our list offer customizations for their policies. They understand that one policy might not match every pet and pet owner. Customizing your plan can also give you the insurance to cover exam fees, visits to the dentist, and even accidents. Talk to your insurance provider before making a final decision to see which customizations are available.
Do All Pet Insurance Companies Cover Cataract Surgery?
There are actually very few pet insurance providers that offer coverage for cataract surgery. Luckily, the ones on our list are the best and tend to provide at least partial coverage.
What If My Pet Insurance Company Isn’t on the List?
You may have found a pet insurance company that covers cataract surgery that we didn’t come across in our research. This doesn’t mean that your company isn’t good; it just means that it may not have met our criteria. However, if you ever need to change insurance companies, the ones on our list are excellent.
What the Users Say
Reviews for the pet insurance providers that cover cataract surgeries on our list are generally positive. A few users weren’t happy with their monthly rates, but overall, the providers on our list were well-liked and had excellent customer service.
Which Pet Insurance Plan for Cataract Surgery is Best for You?
Now that you know what we think are the best pet insurance plans for cataract surgery, you’re probably wondering how you will choose the best one for you and your pet. The six providers on our list offer some coverage for cataract surgery, whether it’s full or partial coverage. To determine which of these is the best for you, consider the premiums, deductibles, reimbursement percentages, and claim repayment time before making a final decision.
Determining all of the above should help you make the right decision on which insurance company will do you and your pet the most good when and if it is time for your pet to have cataract surgery.
Conclusion
Although most pet insurance providers cover surgeries for cats and dogs, some do not pay for cataract surgery. The providers on our list offer at least partial coverage for cataract surgery and have excellent reputations and good customer service reviews. Depending on the plan you select, you can save thousands on the expensive procedure.
Sources
Pet Insurance that Covers Cataract Surgery 6 Best Pet Insurance Providers for Cataract Surgery What You Need to Know About Pet Insurance and Cataract Surgery
- Pet Insurance that Covers Cataract Surgery
- 6 Best Pet Insurance Providers for Cataract Surgery
- What You Need to Know About Pet Insurance and Cataract Surgery
Featured Image Credit: Masarik, Shutterstock
