In this video, I’ll help you decide if pet health insurance is worth it for dogs. We’ll talk about things you should know before buying pet health insurance, and we’ll go over the pros and cons, as well as the cost, to help you decide whether you should purchase pet health insurance for your dog. Thanks for watching! Debra
If you’ve already watched the video above you know that my opinion is yes, pet insurance is worth the cost. The only circumstance in which I would recommend that someone not purchase health insurance for their pet is if the person is somewhat wealthy and easily able to pay out of pocket for any medical expenses the pet may have – up to and including a serious illness or accident. But if that’s not the case for you, I strongly recommend getting pet health insurance.
Best Pet Health Insurance
I personally recommend Healthy Paws as my top recommendation, mostly because of their outstanding record of excellent customer service. PetPlan is also excellent, and I’d consider them my second recommendation for the best pet health insurance. Click on the links above for each of them to get your free quote.
If you have had pet health insurance in the past, please comment below to share your experiences. It will help everyone!
I Donate to Animal Charities
Thank you for visiting my website. I donate 10% of all commissions I make on this website to animal charities. You can see a list of the charities I donate tohere. If you like this website, please share it with your friends – every purchase helps animals! Debra 🙂
Listen to the story of how Healthy Paws Pet Insurance got started in this interview with founder, Steve Siadek:
Getting Better All the Time!
Healthy Paws Pet Insurance & Foundation is constantly striving to improve their plan and service. They created the first pet health insurance iPhone app and did away with requiring a claim form. They made it easier to manage your policy online, add new pets, and change your policy options in their Customer Center. Most importantly, they seek to deliver compassionate customer service especially when you have a sick pet.
Every Quote Gives Hope
Healthy Paws Pet Insurance & Foundation’s non-profit foundation has helped hundreds of pet rescues and animal shelters care for sick, homeless pets through their Every Quote Gives Hope™ medical grant program. They are just getting started and are looking forward to helping even more homeless pets get healthy and get adopted in the years to come. This is why I’m behind this company, because, just like this website (we donate to animal charities), they help animals!
For every pet health insurance policy purchased, Healthy Paws donates time and services to help rescue and adoption groups care for homeless pets. Protect your pet. Save a homeless pet. What could be better?
Dog and Cat Insurance
Healthy Paws Pet Insurance & Foundationcovers your pet from nose to tail, for a lifetime. Their health insurance plan covers illnesses, injuries, genetic conditions, emergencies, and much more. If your pet needs treatment for any illness or accident (except pre-existing conditions), you’re covered. It’s that simple. And there are no limits on claims!
Healthy Paws Pet Insurance & Foundation is the only pet health insurance company who provides UNLIMITED, lifetime benefits with an annual deductible. Your policy covers illnesses, accidents, hereditary conditions, congenital conditions, chronic conditions, cancer, diagnostic treatment, x-rays, blood tests, ultrasounds, surgery, hospitalization, prescription medications, emergency care, specialty care and alternative treatments.
What is a Pre-Existing Condition?
A pre-existing condition means that the condition first occurred before your pet’s coverage started. Pre-existing conditions are excluded from coverage by all pet health insurance companies.
What Isn’t Covered?
Healthy Paws Pet Insurance & Foundation doesn’t cover pre-existing conditions, veterinary exam fees, or preventative care, such as annual check-ups, vaccinations, spay/neuter procedures and teeth cleaning. They focus more on protecting you from the unexpected – things like costly illnesses and accidents.
Coverage for Life
Your policy covers your pet for their whole life. Whether they have an accident and end up in the emergency room, or if they develop an illness later in life, their medical care will be covered.
When Should I Start Coverage?
You can start protecting your pet at just 8 weeks old, and if you enroll them before the age of 6, hip dysplasia coverage is included at no extra cost.
What About Older Pets?
As dogs and cats age, congenital and hereditary conditions can affect them and the treatments for these conditions can be expensive. The good news is you can enroll your pet with Healthy Paws up until their 14th birthday. As they reach their senior years, rest assured that they’ll be covered for the rest of their life.
How Pet Health Insurance Works
You can go to any licensed veterinarian, including specialists and emergency animal hospitals. Healthy Paws even covers alternative care. After enrolling your pet, there will be a 15-day waiting period for accidents and illnesses, and a 12-month waiting period for hip dysplasia.
Making a Claim is Easy and Fast
Just send your vet bill to Healthy Paws through their online Customer Center or Healthy Paws Mobile App! They’ll process the claim quickly and send you a reimbursement check. If it’s your first claim, they’ll need your pet’s medical records to complete the claim. But after that, claims are processed very quickly. You and your vet may also ask for pre-authorization for super expensive treatments to help reduce your upfront burden.
Check your Claim Status
You can log on any time, from anywhere, and get a real-time status on your claim.
Young Ones Need Health Care Too!
There’s no doubt puppies and kittens can get themselves into serious trouble and wind up in the emergency room. And kittens and puppies can get sick just as easily as older pets. Cats, for example, often experience illnesses like urinary tract and upper respiratory infections. And both kittens and puppies are also incredibly curious and have a tendency to eat things they shouldn’t! So it’s wise to get their pet health insurance policy in place as early as possible in case anything happens.
Don’t Experience a Preventable Tragedy
I had a friend once who adopted a kitten. She and her husband named him “Smudgy” because he had a black mark on his nose that looked like a smudge. Their two young children adored their new pet! But sadly, Smudgy ate string (yes, string is BAD for cats!) and it got wrapped up in his intestines. Because the surgery as going to cost upwards of $900, the family had no choice but to euthanize the Smudgy because they could not afford to pay for the surgery. It was absolutely tragic. I don’t tell this sad story to scare you – just to point out that this type of thing is so easily prevented. Pet insurance is not expensive – and it can save your pet’s life!
Healthy Paws is Committed to Their Customers
The Healthy Paws pet health insurance plan is easy to understand, they reimburse quickly, and you can count on them to help, especially when it comes to reducing the stress of caring for a sick pet. Knowing you have good coverage if there’s an unexpected illness or accident doesn’t make the pain or fear go away – God knows how many times I’ve cried in a vet’s office because one of my many (many, many) pets was ill or had been injured. But knowing I can afford whatever treatment they may need because I have pet insurance makes a world of difference in my stress level!
The Best Pet Health Insurance Company!
Healthy Paws Pet Insurance & Foundation is committed to providing you and your pet with the best customer service and the best pet health insurance plan in the country. Their commitment is proven by the outstanding reviews they receive directly from their customers!
Is Pet Health Insurance Worth It?
You can get more information about this in these articles:
Thank you for visiting my website. By the way, I donate 10% of all commissions I make on this website to animal charities. You can see a list of the charities I donate to here. If you like this website, please share it with your friends – every purchase helps animals! Debra
I’ve researched this one and there are actually a lot of reasons to choose this company if you’re looking for pet insurance, the biggest being that they are the world’s largest pet insurance provider! And that’s not the only thing – you’ll see lots more great stuff about this company in this Best Pet Health Insurance Review.
Cost: Policies start at $10 per month. Monthly premiums differ based on whether you have a dog or a cat, the breed, age, and which policy/coverage you choose. Getting a quote is super fast and easy.
Thing I Like Most: That once you insure one pet, you get a 10% discount on any additional pets you insure in the future.
My Rating: A+
What Sets Petplan Apart
Some of their competitors have breed and/or age restrictions. Petplan does not. In addition, Petplan offers a “Covered for Life” guarantee for any condition that was not pre-existing to the policy.
Petplan covers all conditions – including hereditary/genetic up to 100% after deductible and up to the annual coverage limits (based on the plan selected by the customer).
Pet plan covers holistic and alternative therapies when recommended by a veterinarian. Many of their competitors do not. This is becoming more important to some customers, especially those in California or other locations where this practice is the ‘norm’.
They reimburse based on actual veterinary invoices and not on a predefined benefit schedule. This is big – customers get paid the same percent whether they live in an inexpensive rural area or an expensive metropolis.
They have a loyal customer following and a high retention rate year after year.
Petplan policies are underwritten by Allianz, an A+ rated and the world’s largest property and casualty insurance company.
What Petplan Covers
As pet owners, we always want to do whatever we can to help our pets stay healthy well into old age. The great news is that these days, our vets have a lot more options for diagnosing, treating and, in many cases, curing the health conditions which used to have dire consequences for our pets. But with that increased level of care comes increased veterinary costs. Petplan can help!
Petplan pet insurance offers life-long coverage for all hereditary and chronic conditions – including cancer, diagnostic testing, prescription medications, non-routine dental treatment, MRI, CAT Scan and ultrasound imaging. Here’s what the various plans cover – I’m sure you’ll be as impressed as I am!
Veterinary exam fees
Imaging – mri, cat scan, ultrasound
Dental treatments (non-routine)
Referral + specialist treatment
Boarding kennel fees
Advertising + reward
Loss due to theft or straying
Death from illness or injury
Free Subscription to “Fetch!” Magazine.
When you sign up for PetPlan, you get a free subscription to Fetch!, their quarterly pet health magazine. PetPlan’s team of veterinary experts write exclusive features and health tips for pet owners.
Signing Up Is Easy
Just go to their website HEREand fill out your pet’s name, age and breed. It’s that easy! You will receive a quote immediately.
Is Pet Health Insurance Worth It?
You can get more information about this in these articles:
Thank you for visiting my website. By the way, I donate 10% of all commissions I make on this website to animal charities. You can see a list of the charities I donate to here. If you like this website, please share it with your friends – every purchase helps animals!