Most pet owners do not really consider pet insurance until the day they are faced with a hefty vet bill, at which time, it is too late. I have to admit, I am one of those people. Though we have not been faced with outrageous vet bills, pet insurance is one of those things I have just put on the back burner for some time now.
However, Max was feeling a bit under the weather yesterday and I started considering it more and more. I have done some research as to various plans and what is covered, and I would like to pass on that information to you.
VPI Pet Insurance
One insurance provider that I looked in to was VPI Pet Insurance. Both the Standard and Superior Coverage Plans require a $50 deductible per incident. Superior Plan offers the highest reimbursement payouts for eligible veterinary expenses such as accidental injuries, emergencies and illnesses, including cancer. Max's quote was $13 per month.
Standard Plan offers reimbursement payouts for eligible veterinary expenses such as accidental injuries, emergencies and illnesses. Max's quote was $22 per month.
The Pet WellCare Protection is an additional endorsement on top of your regular plan that covers basic health needs and routine care such as an annual check up, vaccinations, flea/heartworm treatment, and x-rays. Max's quotes were $12/month for $250/year coverage, and $22/month for $400/year coverage.
You can get a quote for your dog online. VPI scored only a 4.2 rating on Pet Insurance Review... so I continued to research.
PetFirst Pet Insurance
Another insurance provider I found was PetFirst. They seemed to get great reviews. They offer both Core and Comprehensive coverage, with plans starting as low as $17 per month, which offers $4,500 in annual coverage, limited to $1,500 per injury. Core coverage includes accident and illness protection
The Comprehensive plan has a Preferred Plus plan at $49 monthly that covers up to $12,000 a year, limited to $3,500 per incident. Comprehensive coverage includes accident, illness and routine care protection.
PetFirst also offers a discount for households with multiple pets. You also save $10 off your first month by applying online. Filing a claim seems easy as it only requires you to fill out a form and send it and the receipts to PetFirst.
PetFirst also requires a $50 deducitble and pays up to 90% of your claim. There are six different policies ranging from $17 - $49 per month. PetFirst got a 9.2 rating at Pet Insurance Review. Sounds like PetFirst is the way to go.
To review many different dog insurance providers, visit Pet Insurance Review.
Do you have pet insurance?