Comparison of Five Pet Health Insurance Plans

What is pet health insurance?

It doesn't matter if you've already made the decision to get pet insurance or if you're just considering it. Keep in mind that there are additional factors to take into account when comparing health insurance quotes, in addition to the base dollar amount. Check out the specific veterinary care and treatments that are covered in addition to the monthly payment (some basic insurance plans do not cover cancer treatment), the type of deductible that the pet owner will be responsible for paying, whether there is a yearly cap on medical expenses, and any discounts that may be offered.

At the moment there are only a handful of companies that offer pet health insurance. Five of the most popular companies are Pets Best Pet Insurance, Veterinary Pet Insurance, ShelterCare, Pets Health and PetCare.

1. What are the benefits of pet health insurance?

A Pets Best Pet Insurance insurance plan will cost about $32.00 per month ($384.00 yearly). With the purchase of an additional wellness plan by the pet owner, Pets Best will pay for pet sterilization. It is recommended to insure a pet early in life before issues arise because Pets Best does not cover pre-existing medical illnesses. Per pet, Pets Best has a lifetime cap of $99,750. The deductible for Pets Best health insurance policies is $75.00. There are several pet discounts available. Cancer is covered by Pet's Best pet health insurance.

2. What are the different pet health insurance companies?

1. First plan

Veterinary Pet Insurance is a company that offers pet owner a $14,000 a year cap on an insurance plan that only costs approximately $20.00 dollars a month. Veterinary Pet Insurance offers plans with a $50.00 deductible (after the deductible they pay ninety percent of the bill) on plans that include pet sterilization and cancer coverage. Veterinary Pet Insurance does not accept pre-existing conditions and does not offer multi-pet discounts.

        2. second plan

ShelterCare is a pet insurance that cost pet's owners approximately $29.95. For that $29.95 there is absolutely no deductible and cancer treatments are covered. ShelterCare will not pay for pet sterilization nor will they cover any pre-existing conditions. ShelterCare does not have a benefit cap. ShelterCare offers premium discounts for multi-pet plans, medical service, and micro-chips.

         3. Third plan

A pet health insurance policy through PetsHealth insurance company will cost the pet owner approximately $37.17 dollars per month. PetsHealth covers 80% of the pets vet bill after the $100.00 doller deductible is paid. PetsHealth has a $13,000 doller cap on each per year. PetHealth does insure pre-existing conditions after ninety days. Multi-pet discounts are available through PetHealth. PetsHealth does offer pet health insurance plans that cover cancer on a case by case basis.  

         4. Last plans

PetCare is a pet health insurance company that estimates the average cost for a policy for a pet is $29.95 a month. This plan includes a fifty doller deductible. While PetCare is happy to cover the cost your pet’s cancer treatments they will not pay for any pre-existing conditions nor will they pay for pet sterilization. PetCare offers discounts for multi-pet plans and medical service.

Conclusion

None of the estimated monthly prices for these insurance companies include any extra insurances riders. 

Any one or all of these companies can change their policies between now and the time you purchase a pet health insurance plan.

Remember to read the fine print before you sign up for a pet health insurance plan.

All five of these pet health insurance companies have their own websites where you can go to get up to date pet health insurance quotes.

There are other pet health insurance companies with different prices, discounts, stipulations, and benefit caps if you are not content with the previous five comparisons.