Your monthly pet insurance payment will be higher if you go for a lower deductible and higher reimbursement. If you choose a higher deductible, then you’ll pay a lower monthly amount (known as a ‘premium’). Unlike most pet insurance providers, who limit their coverage to cats under 14 years of age, Pets Best has no upper age limit. Non-emergency services like dental care or even post-emergency follow-ups are not covered. Within 2 minutes, you’ll connect with an experienced vet who can answer general questions and help you decide what to do about more serious concerns. The company offers 70%, 80%, and 90% reimbursements based on your veterinary bills. For example, our friend Prince Myshkin has access to 16 veterinarians within a 10-mile radius of his home in Beverly Hills. This Chicago-based company receives strong reviews overall, but it’s not all smiley customer service, short waiting periods, and responsive apps. Remember that most customers won’t hesitate to let the world know about their experience, so read customer reviews to learn how the company treats policyholders. On Trustpilot, the company has a 9.1 out of 10 star rating. Every pet is welcome, regardless of age, breed, species, or pre-existing conditions. When we start discussing huge bills, however, pet insurance gives you an advantage. Does my pet need a physical exam before I can enroll her in pet insurance or renew her policy? In addition to this emergency fund, you’ll receive 24/7 access to a team of dedicated veterinarians. Typical providers give a 0-10% discount for additional pets, so its flat rate structure makes Pawp an extremely competitive choice for multiple-pet homes. Its premiums are middle-of-the road, the coverage is good, the policies are flexible, and payouts usually arrive before customers have a chance to worry about them. Your monthly costs will vary, but most plans don’t exceed $10 per month. Note that the company doesn’t offer wellness coverage. Pawp covers payments at all veterinary clinics. Pumpkin believes it’s important to catch and prevent diseases early, which is why it worked directly with vets to build out the plan with the 3 essentials that each cat is recommended to get every year. That’s a huge range! Treating a cat who swallowed a string could cost $2,910. Policies that reimburse at a higher rate tend to charge higher premiums. After hours of research, our number one recommendation is Embrace Pet Insurnace, a company that offers affordable premiums, flexible policies, and unlimited lifetime coverage. On TrustPilot, 47 customer reviews give Pet Assure an average rating of 4.4 out of 5 stars. Figo insurance doesn’t have any age cutoffs, allowing you to insure cats aged 23 years and over. As a new addition to the marketplace, Pawp hasn’t had a chance to receive a lot of customer reviews. But there’s no one-size-fits-all in pet insurance. Whole Pet with Wellness reimburses a generous 90% of your invoice, while all other Nationwide plans reimburse on a benefit schedule and limit benefits per condition. Read each provider’s website to see which conditions are covered under each plans. Many other pet insurance providers recognize the demand for 24/7 service and are available to help you at all hours of the day. Your choice of deductible ranges from $200 to $1,000 and you have an annual maximum of $5,000 to $30,000. Although the primary plans cover strictly accidents and illness, Embrace offers an additional Wellness Rewards plan, which works as a flexible savings account covering you for up to $650 in routine care expenses. One is a recovery and complementary care package, which covers various therapies not typically included within traditional policies, including rehabilitative care, acupuncture, chiropractic care, and homeopathy. Pick a plan that's right for you. The preventive care covers routine care like wellness exams, parasite screenings, and vaccinations. Click here to get a quote on Petplan pet insurance for cats. Check out how our multi-pet medical insurance discount works! In order to evaluate each of these pet insurance providers, I’ve combed the providers’ sites, evaluated their policies, and read customer reviews on Yelp and Consumer Affairs, along with reviews on sites like Reviews.com, PetInsuranceU, Wirecutter, Consumer Reports, and Canine Journal. Click here to get a quote on Embrace pet insurance for cats. Figo also provides hip dysplasia without restrictions, unlike Healthy Paws. Whether you have one cat, a farm, or a household full of reptiles, Pet Assure gives you the same discount regardless of who’s receiving care. The reviewer pointed to the company’s range of unexpected perks and great customer service as outstanding factors. The two other reviewers gave it 1-star ratings, both saying that Pumpkin had denied their dog’s claims. Don’t be afraid to toggle deductibles, maximums, and reimbursement percentages to get the premium that works for your budget. Described as “like pet insurance, but better”, Pawp helps you to keep your pets protected without the complications and expense of traditional insurance. It’s important to note that Embrace allows you to request a free medical history review at signup. Find the best pet insurance companies & learn how it works and what it costs. Annual deductible, deductible levels from $50 to $500, reimbursement levels 70 to 100% – the only pet insurance company that offers 100% coverage. According to Pumpkin sales director Beth Wymer, “It’s a very simple, smart plan. Pet insurance is similar in many ways to human health insurance, with deductibles and reimbursement rates that can vary widely. Of course we'd say that pet insurance matters. Nationwide® helps you choose the right pet insurance. Assuming a $250 deductible, an insurance provider with an 80% reimbursement percentage would pay $1,080 of the bill, leaving you to cover the remaining $520. Here’s an example of a quote from the Pumpkin website: Here’s a list of some of what Pumpkin covers according to this section on their website: For an additional $11.95 per month ($143.40 annually), Pumpkin also covers three routine care services with their Preventive Essentials plan. Even if you’re paying an extra hundred dollars a year for pet insurance, the savings could be worth it when big bills arrive. Believe it or not, a phone call with your insurance provider shouldn’t leave you pathologically ripping up loose papers on your desk or muttering expletives to the tune of never-ending hold music. While Nationwide’s comprehensive Whole Pet with Wellness plan is one of the most expensive on the market, the plan is the company’s most popular offering. Although customer experiences aren’t universally perfect, Embrace has a generally good reputation for processing and accepting claims, providing good customer service, and leaving policyholders satisfied.