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PetInsuranceFinder insurance associates are committed individuals who reside in the communities served, helping pet owners find the right coverage for their animal.
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Petinsurancefinder is an independent platform, made to provide pet owners with up-to-date information about top insurance companies. Any insurance company that is presented on this website has the right to make changes to its official data. We are dedicated to distributing reviews based on a person's experience and opinions of his/her insurance company. Reviews are "reviewed" to ensure there is no offensive material. All information may be used only for reference; carefully review your policy before purchasing and signing a new contract. As an independent platform, we receive compensation from companies listed in the comparison block. No review is a representation of our company or its employees.
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Pet Onsurance FAQ
What is Pet Insurance and how do I get it?
Pet insurance is healthcare coverage to help cover the unexpected costs if your pet becomes ill or injured. Your pet is an essential part of your life. Animals need healthcare just like humans. That’s why it’s so important to learn about pet plans to keep your pet healthy. Animals get sick – particularly as they get older. They also have accidents that leave them in need of immediate care.
You can buy pet insurance online or work with an agent. You determine the right policy for your pet and budget. Most companies will provide instant quotes on their websites. Or, you can talk to a friendly customer service representative. Then, you pay the first month’s premium with a credit card.
On PetinsuranceFinder you can get ratings and reviews of companies in your area. Just enter your zip code and the type of pet, and we will provide you with a list of great companies to choose from. Then, click on the link of your preferred company to get a detailed quote. 90% of companies provide insurance for at least a year.
Do I really need Pet Insurance?
Preventative healthcare for your pet can get expensive, but you may find those costs manageable. If your pet gets sick, out of pocket costs can skyrocket. Some pet parents find themselves in the terrible position of choosing between treatment and euthanizing their pets. Most people just don’t have the many thousands of dollars it can cost should their beloved pet contract a severe illness like cancer. The cost of medication, medical tests, and life-saving treatments can add up quickly.
There are many benefits to buying healthcare for your pet.
- Pet insurance can cover illness or accidents. You can buy these coverages separately.
- It is best to buy a policy that covers both since your pet can get injured in an accident as well as contract a serious illness.
Not all companies are the same. That’s why Petinsurancefinder provides ratings and rankings for companies in your area. Our recommendations are based on the experiences that other pet owners report.
Are there different types of Pet Insurance?
Yes. Some companies offer pet insurance that covers dental. Others may offer pet insurance that covers having your pet spayed. Some companies offer it for special breeds, like Rottweilers. It is also possible to get health plans for exotic pets.
Also, there are two main types of pet insurance coverage. The first type pays your veterinarian directly. Your vet submits a claim to the company to receive payment. With the other type, you pay your veterinarian then submit the claim to the company for reimbursement.
What does Pet Insurance cover?
There are some differences from one company to the next when it comes to what a pet insurance policy covers. Generally, most will cover the following:
- Injuries from an accident
- Chronic ongoing health conditions
- Congenital conditions such as cataracts or diabetes
- Wellness care
- Alternative Therapy like acupuncture and hydrotherapy
- Imaging such as X-rays and ultrasounds
- Lab tests
- Prescription medications
What does It not cover?
It's important to know up-front what your pet insurance policy will not cover. Doing so will help to eliminate any surprises when you visit the vet and think your procedure was covered, and it wasn't.
Generally, most companies will not provide coverage for:
Coverage for pre-existing conditions is often limited. It is done to prevent pet owners from purchasing insurance for pets right after they discover a health condition. Before you purchase coverage, it's essential to find out what the company constitutes a pre-existing condition. Even if they are only showing signs of a disease they haven't been diagnosed with, a company could still deny coverage
Most providers will not offer coverage on any services they consider to be inhumane. These procedures can include but is not limited to, claw removal, tail docking or ear cropping.
Fees Exceeding Usual and Customary Costs
If fees paid for care from your vet is higher than what is charged by other veterinarians, your company might deny that claim. Pet insurance companies use industry statistics to determine customary services for the cost of vet services within a specific area. Before you choose a new vet, be sure to ask for a list of fees, and provide this information with your company to confirm.
To learn more about buying a pet insurance policy, contact the experts here at PetInsuranceFinder. Our licensed professionals will be happy to answer any questions you have.
What types of animals does it cover?
Americans love their dogs and cats. According to the Insurance Information Institute (III), over 60 million households care for nearly 90 million dogs and puppies. About 47 million families in the USA care for 95.6 million cats and kitten. People also love their birds (20.3 million of them), reptiles (9.4 million), and horses (7.6 million). It’s challenging to find companies to insure certain types of pets like ferrets, rats, parrots, and turtles. However, Nationwide Insurance Company offers an Avian & Exotic Pet Plan covering a long list of more unusual pets – even guinea pigs and hedgehogs.
What are the features of a policy?
You can find an affordable pet insurance policy by selecting different options to lower the cost. For example, choosing a higher deductible can lower the price. The deductible is the amount of money you are responsible for paying for each claim. The younger the animal, the less expensive the coverage. Kittens and puppies will have much lower premiums compared to a senior cat or dog. Small dogs, depending on breed, may cost less. Other features that affect the price include:
Annual Policy Limits
The annual policy limit is the maximum amount the pet insurance company will pay out each year. The lower the annual policy limit, the lower the premium.
Choosing a lower reimbursement percentage is another way to lower the cost of veterinary pet insurance. Typically, you choose either an 80% or 90% reimbursement percentage. So, if your vet bill is $1,000, an 80% plan will cover $800, less your deductible.
You can select optional coverages such as dental. Wellness coverage provides preventative maintenance and routine exams to ensure your pet is taken care of from head to tail. Some companies offer deals for buying additional coverage. You can usually get a discount for buying insurance for more than one pet.
What is a waiting period?
Most companies do not offer a pet plan that starts immediately. There is typically a waiting period of 14 days. Some medical conditions require waiting periods of up to six months.