Having a pet in need of surgery is a scary thing to face. After all, our pets are our best friends. The last thing we want is to see them in pain. One of the most common surgeries pets face is cataract surgery. Unfortunately, this surgery is expensive, and not always covered by pet insurance plans. Luckily, there are a few pet insurance providers out there that are willing to cover cataract surgery, or partially cover it. Let’s learn more about them below so you can choose the right one for you and your pet.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Nationwide
Affordable rates
Offers several coverage options
All coverage tiers pay for cataract surgery
Click to Get Quote
Best Value
MetLife
Very affordable plans
Covers up to 80% of cataract surgery
Click to Get Quote
Trupanion
A trusted company
Offers several add-on coverages
Covers cataracts if a pet is born with them
Click to Get Quote
Lemonade
Low cost
Customizable
Offers 80% reimbursement on cataract surgery
Click to Get Quote
Healthy Paws
Covers up to 80% of cataract surgery
Features a fast claim process
Donates to homeless animals
Click to Get Quote
Our 6 Pet Insurance Reviews for Cataract Surgery
- Nationwide Pet Insurance – Best Overall Compare Nationwide PlansNationwide pet insurance is our top pick for when your beloved fur baby needs cataract surgery. Nationwide is easily one of the most recognized and respected insurance companies in the country. They offer several insurance plans for dogs and cats with cataract surgery being covered by each one. Costs with Nationwide are very affordable. Their basic plan starts as low as $12 a month. The company’s Premier policy is an affordable $39 a month. Like with many companies, Nationwide will not cover the cost of cataract surgery unless you have been a policyholder for at least 6 months. You’ll also need to ensure that a Nationwide approved veterinarian is doing the surgery or they will not cover the costs.
Pros
Affordable rates
Offers several coverage options
All coverage tiers pay for cataract surgery
Cons
Pet must be covered for 6 months before surgery is covered
A Nationwide approved vet must perform the operation
- MetLife Pet Insurance – Best Value Compare MetLife PlansMetLife is another name in the insurance game everyone knows. In 2020, they acquired PetFirst Insurance renaming it, MetLife Pet Insurance. Costs for coverage with this company are among some of the lowest you will find with some policies starting at $9. This is great news, especially for pets with cataracts as the company will help cover the cost of the surgery. With MetLife Pet Insurance, you can get assistance with up to 80% of the cost of surgery, or up to $2,000. This is great news as surgery often runs between $2,000 and $4,000. The only issue we have with MetLife Pet Insurance is the concern of whether things will change with a new company at the helm. We have high hopes, however, with MetLife being a trusted company in the insurance world.
Pros
Very affordable plans
Covers up to 80% of cataract surgery
Cons
Unproven under the new company
- Trupanion Compare Trupanion PlansIf you’re looking for trusted pet insurance coverage that can help with coverage for cataracts, Trupanion is another top choice. At Trupanion, coverage for dogs averages around $59 per month and $30 for cats. When it comes to their cataract surgery coverage, however, there is a stipulation. The company only covers cataract surgery if your pet was born with cataracts or an issue that causes cataracts. While this doesn’t cover every instance of cataracts, it can be helpful for certain pet owners. Like most other insurance companies, Trupanion offers additional coverages you can pick and choose from. Our only issue with their team is that on average, their price is slightly higher than some of their competitors.
Pros
A trusted company
Offers several add-on coverages
Covers cataracts if a pet is born with them
Cons
Does not cover cataracts that develop later in life
The price is slightly high for monthly coverage
4. Lemonade Compare Lemonade PlansLemonade is easily one of the best pet insurance companies around. Luckily, they do offer coverage for cataract surgery. With either their Gold or Platinum coverage, a portion of the costs of cataract surgery will be covered. The company offers up to 80% reimbursement for this type of procedure. There are also several other great things about Lemonade such as their low cost with some policies starting at $12, add-ons to choose from, and great customization options. Unfortunately, Lemonade is not available in all states so you will need to determine whether coverage is offered in your area. You’ll also find that they do not offer any kind of dental or mental health coverage for your pets.
Pros
Low cost
Customizable
Offers 80% reimbursement on cataract surgery
Cons
Not available in all states
Does not offer some coverages that other companies offer
- Healthy Paws Pet Insurance Compare Healthy Paws PlansHealthy Paws is another insurance company that will pay a portion of the cost to pay for your pet’s cataract surgery. Other things you’ll like about this company are the fast claims process and that they donate to homeless pets. What more could a pet lover ask for? Great prices. Healthy Paws has policies that start as low as $29 a month making them a decent option when it comes to affordability. The biggest downside to Healthy Paws comes with their costs. While plans are mostly affordable, certain pet breeds will see higher deductibles. You’ll also find that there isn’t a lot of customization when it comes to their plans.
Pros
Covers up to 80% of cataract surgery
Features a fast claim process
Donates to homeless animals
Cons
Deductibles are high for certain breeds
Lack of customization for plans
- Embrace Pet Insurance Compare Embrace PlansEmbrace offers multiple insurance plans you can choose for your pet. While the company does help cover costs for cataract surgery, it is best to review the plans carefully to ensure the one you choose offers this coverage. The average cost of their plans is $50 for dogs and $30 for cats. You can even add extra coverage to pay for exam fees when visiting the vet. One of the best things about this company is its customer service and easy policy management through its app. Our only issue with Embrace is that they do have a limit on how much they will pay in coverage per year. This can be hard on families who have a very sick pet or one that has been in an accident. Keep this in mind when you choose a coverage option with this insurance provider. Pros
Partially covers cataract surgery
Offers policy management through an app
Offers additional coverages for exam fees
Cons
The coverage limit annually is 30,000
Buyer’s Guide: Choosing the Right Pet Insurance for Cataract Surgery Image Credit: thodonal88, Shutterstock What to Look for in Pet Insurance Plans for Cataract Surgery It’s difficult to find pet insurance companies that will cover cataract surgery, or offer partial reimbursement. When you find a company that will cover this type of procedure you need to learn more about the plan costs, criteria for the procedure, and how much they’ll pay. Let’s take a look below. Policy Coverage With certain insurance companies, you must purchase a specific policy to receive coverage for cataracts or surgery for this issue. Unfortunately, it’s difficult to know if your pet is going to get cataracts. The best thing to do is choose a coverage that you feel covers all the bases. You want the best coverage possible, even if that means choosing a few add-ons. Take your time and review everything before you pick a company or a particular policy. Customer Service & Reputation Reputation is huge when choosing an insurance provider. When you hear great things about a company, it makes you pay attention. If you truly want to feel safe about the policy you’re choosing for your pet, keep that in mind. Also, great customer service is a must. No pet parent wants to be worried about their companion and unable to reach their insurance company or deal with a person who is rude or unhelpful. Always check the reviews of a company’s customer service team before you sign on. Claim Repayment Claim repayment should be quick and painless. As you can see, each of the companies we’ve listed in this review has a great reputation, which includes their claim repayment policies. Cataract surgery is not cheap. Normally, this type of procedure can cost nearly $4000. Having an insurance company that is willing to repay costs quickly can help you avoid being short on funds due to caring for your best friend. Before you sign up for a policy, learn as much as you can about the company’s claim repayment policy so you’ll know when to expect your reimbursement. Price Of Policy Price is easily one of the most important things we consider when choosing pet insurance. Yes, we care for our pets, but that doesn’t mean we don’t want the best deal possible. Luckily, none of the providers in this review are overpriced. You can easily grab a policy with either company and feel like you’re getting a great premium. If you want coverage, however, when you start adding extras, costs will rise. Keep this in mind and be willing to take on the added costs if that’s the route you want to go. Plan Customization Most pet insurance companies offer customization options when you purchase insurance. These extras can help cover dental needs for your pet, exam fees, or even accidents. Before you sign on for a policy, ask a representative about the customization options so you can choose the best option for you and your pet. Not every pet and its owner can fit into a set policy. Changing things up is often needed. Do what you must to keep your pet happy and safe. Image Credit: Rawpixel.com, Shutterstock Which Pet Insurance Provider Is Best For You? As you can see, all six pet insurance providers above offer some form of coverage for cataract surgery. To choose the best option for you, take a better look at what each policy offers, possible deductibles, how much the company is willing to cover, and the other benefits they may provide. This will help you determine which company you should use to help you with your pet’s cataract surgery needs. Conclusion Cataract surgery is a scary, and expensive ailment for pets. Luckily, there are insurance companies out there that are willing to help you cover all or most of the costs. Caring for your pet’s vision is a responsibility every pet owner should take seriously. If you feel the time is coming for your pet to have this type of surgery, one of the pet insurance companies above can help you.
Featured Image Credit: Mary Swift, Shuttershock
Having a pet in need of surgery is a scary thing to face. After all, our pets are our best friends. The last thing we want is to see them in pain. One of the most common surgeries pets face is cataract surgery. Unfortunately, this surgery is expensive, and not always covered by pet insurance plans. Luckily, there are a few pet insurance providers out there that are willing to cover cataract surgery, or partially cover it. Let’s learn more about them below so you can choose the right one for you and your pet.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Nationwide
Affordable rates
Offers several coverage options
All coverage tiers pay for cataract surgery
Click to Get Quote
Best Value
MetLife
Very affordable plans
Covers up to 80% of cataract surgery
Click to Get Quote
Trupanion
A trusted company
Offers several add-on coverages
Covers cataracts if a pet is born with them
Click to Get Quote
Lemonade
Low cost
Customizable
Offers 80% reimbursement on cataract surgery
Click to Get Quote
Healthy Paws
Covers up to 80% of cataract surgery
Features a fast claim process
Donates to homeless animals
Click to Get Quote
Our 6 Pet Insurance Reviews for Cataract Surgery
- Nationwide Pet Insurance – Best Overall Compare Nationwide PlansNationwide pet insurance is our top pick for when your beloved fur baby needs cataract surgery. Nationwide is easily one of the most recognized and respected insurance companies in the country. They offer several insurance plans for dogs and cats with cataract surgery being covered by each one. Costs with Nationwide are very affordable. Their basic plan starts as low as $12 a month. The company’s Premier policy is an affordable $39 a month.
Like with many companies, Nationwide will not cover the cost of cataract surgery unless you have been a policyholder for at least 6 months. You’ll also need to ensure that a Nationwide approved veterinarian is doing the surgery or they will not cover the costs.
Affordable rates
Offers several coverage options
All coverage tiers pay for cataract surgery
- Affordable rates
- Offers several coverage options
- All coverage tiers pay for cataract surgery
Pet must be covered for 6 months before surgery is covered
A Nationwide approved vet must perform the operation
- Pet must be covered for 6 months before surgery is covered
- A Nationwide approved vet must perform the operation
- MetLife Pet Insurance – Best Value Compare MetLife PlansMetLife is another name in the insurance game everyone knows. In 2020, they acquired PetFirst Insurance renaming it, MetLife Pet Insurance. Costs for coverage with this company are among some of the lowest you will find with some policies starting at $9. This is great news, especially for pets with cataracts as the company will help cover the cost of the surgery. With MetLife Pet Insurance, you can get assistance with up to 80% of the cost of surgery, or up to $2,000. This is great news as surgery often runs between $2,000 and $4,000.
The only issue we have with MetLife Pet Insurance is the concern of whether things will change with a new company at the helm. We have high hopes, however, with MetLife being a trusted company in the insurance world.
Very affordable plans
Covers up to 80% of cataract surgery
- Very affordable plans
- Covers up to 80% of cataract surgery
Unproven under the new company
- Unproven under the new company
- Trupanion Compare Trupanion PlansIf you’re looking for trusted pet insurance coverage that can help with coverage for cataracts, Trupanion is another top choice. At Trupanion, coverage for dogs averages around $59 per month and $30 for cats. When it comes to their cataract surgery coverage, however, there is a stipulation. The company only covers cataract surgery if your pet was born with cataracts or an issue that causes cataracts. While this doesn’t cover every instance of cataracts, it can be helpful for certain pet owners.
Like most other insurance companies, Trupanion offers additional coverages you can pick and choose from. Our only issue with their team is that on average, their price is slightly higher than some of their competitors.
A trusted company
Offers several add-on coverages
Covers cataracts if a pet is born with them
- A trusted company
- Offers several add-on coverages
- Covers cataracts if a pet is born with them
Does not cover cataracts that develop later in life
The price is slightly high for monthly coverage
- Does not cover cataracts that develop later in life
- The price is slightly high for monthly coverage
4. Lemonade Compare Lemonade PlansLemonade is easily one of the best pet insurance companies around. Luckily, they do offer coverage for cataract surgery. With either their Gold or Platinum coverage, a portion of the costs of cataract surgery will be covered. The company offers up to 80% reimbursement for this type of procedure. There are also several other great things about Lemonade such as their low cost with some policies starting at $12, add-ons to choose from, and great customization options.
Unfortunately, Lemonade is not available in all states so you will need to determine whether coverage is offered in your area. You’ll also find that they do not offer any kind of dental or mental health coverage for your pets.
Low cost
Customizable
Offers 80% reimbursement on cataract surgery
- Low cost
- Customizable
- Offers 80% reimbursement on cataract surgery
Not available in all states
Does not offer some coverages that other companies offer
- Not available in all states
- Does not offer some coverages that other companies offer
- Healthy Paws Pet Insurance Compare Healthy Paws PlansHealthy Paws is another insurance company that will pay a portion of the cost to pay for your pet’s cataract surgery. Other things you’ll like about this company are the fast claims process and that they donate to homeless pets. What more could a pet lover ask for? Great prices. Healthy Paws has policies that start as low as $29 a month making them a decent option when it comes to affordability.
The biggest downside to Healthy Paws comes with their costs. While plans are mostly affordable, certain pet breeds will see higher deductibles. You’ll also find that there isn’t a lot of customization when it comes to their plans.
Covers up to 80% of cataract surgery
Features a fast claim process
Donates to homeless animals
- Covers up to 80% of cataract surgery
- Features a fast claim process
- Donates to homeless animals
Deductibles are high for certain breeds
Lack of customization for plans
- Deductibles are high for certain breeds
- Lack of customization for plans
- Embrace Pet Insurance Compare Embrace PlansEmbrace offers multiple insurance plans you can choose for your pet. While the company does help cover costs for cataract surgery, it is best to review the plans carefully to ensure the one you choose offers this coverage. The average cost of their plans is $50 for dogs and $30 for cats. You can even add extra coverage to pay for exam fees when visiting the vet. One of the best things about this company is its customer service and easy policy management through its app.
Our only issue with Embrace is that they do have a limit on how much they will pay in coverage per year. This can be hard on families who have a very sick pet or one that has been in an accident. Keep this in mind when you choose a coverage option with this insurance provider.
Pros
Partially covers cataract surgery
Offers policy management through an app
Offers additional coverages for exam fees
Cons
The coverage limit annually is 30,000
Buyer’s Guide: Choosing the Right Pet Insurance for Cataract Surgery
What to Look for in Pet Insurance Plans for Cataract Surgery
It’s difficult to find pet insurance companies that will cover cataract surgery, or offer partial reimbursement. When you find a company that will cover this type of procedure you need to learn more about the plan costs, criteria for the procedure, and how much they’ll pay. Let’s take a look below.
Partially covers cataract surgery
Offers policy management through an app
Offers additional coverages for exam fees
- Partially covers cataract surgery
- Offers policy management through an app
- Offers additional coverages for exam fees
The coverage limit annually is 30,000
- The coverage limit annually is 30,000
Policy Coverage
With certain insurance companies, you must purchase a specific policy to receive coverage for cataracts or surgery for this issue. Unfortunately, it’s difficult to know if your pet is going to get cataracts. The best thing to do is choose a coverage that you feel covers all the bases. You want the best coverage possible, even if that means choosing a few add-ons. Take your time and review everything before you pick a company or a particular policy.
Customer Service & Reputation
Reputation is huge when choosing an insurance provider. When you hear great things about a company, it makes you pay attention. If you truly want to feel safe about the policy you’re choosing for your pet, keep that in mind. Also, great customer service is a must. No pet parent wants to be worried about their companion and unable to reach their insurance company or deal with a person who is rude or unhelpful. Always check the reviews of a company’s customer service team before you sign on.
Claim Repayment
Claim repayment should be quick and painless. As you can see, each of the companies we’ve listed in this review has a great reputation, which includes their claim repayment policies. Cataract surgery is not cheap. Normally, this type of procedure can cost nearly $4000. Having an insurance company that is willing to repay costs quickly can help you avoid being short on funds due to caring for your best friend. Before you sign up for a policy, learn as much as you can about the company’s claim repayment policy so you’ll know when to expect your reimbursement.
Price Of Policy
Price is easily one of the most important things we consider when choosing pet insurance. Yes, we care for our pets, but that doesn’t mean we don’t want the best deal possible. Luckily, none of the providers in this review are overpriced. You can easily grab a policy with either company and feel like you’re getting a great premium. If you want coverage, however, when you start adding extras, costs will rise. Keep this in mind and be willing to take on the added costs if that’s the route you want to go.
Plan Customization
Most pet insurance companies offer customization options when you purchase insurance. These extras can help cover dental needs for your pet, exam fees, or even accidents. Before you sign on for a policy, ask a representative about the customization options so you can choose the best option for you and your pet. Not every pet and its owner can fit into a set policy. Changing things up is often needed. Do what you must to keep your pet happy and safe.
Which Pet Insurance Provider Is Best For You?
As you can see, all six pet insurance providers above offer some form of coverage for cataract surgery. To choose the best option for you, take a better look at what each policy offers, possible deductibles, how much the company is willing to cover, and the other benefits they may provide. This will help you determine which company you should use to help you with your pet’s cataract surgery needs.
Conclusion
Cataract surgery is a scary, and expensive ailment for pets. Luckily, there are insurance companies out there that are willing to help you cover all or most of the costs. Caring for your pet’s vision is a responsibility every pet owner should take seriously. If you feel the time is coming for your pet to have this type of surgery, one of the pet insurance companies above can help you.
Featured Image Credit: Mary Swift, Shuttershock
