Which Is The Best Pet Insurance For Dogs
Which Is The Best Pet Insurance For Dogs - A record number of more than 2 million pets were insured in North America last year, an increase of nearly 17 percent, according to the Pet Health Insurance Association of North America. OMG/Getty Images Studio Crit
Until he suddenly contracted a life-threatening bacterial infection, Sam, his beloved chihuahua-terrier mix, was as healthy as a horse (pardon the pun). Luckily, an emergency vet at a local animal hospital knew what to do and saved Sam's life.
Which Is The Best Pet Insurance For Dogs
My husband and I know that the cost of 5 days of hourly care is going to be expensive, but we don't have to worry because Sam has health insurance. The total bill was $10,000, which had to be paid before bringing Sam home. Within a week, we received a $9,000 check from the insurance company.
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Just like family members, our pets can get sick or injured. And when they do, vet bills can be staggering, even drastic. However, most pet parents in the United States do not have coverage.
Dr. Jason Nicholas, a practicing veterinarian in Portland who runs PreventiveVet.com, said it's not uncommon for people to skip treatment or, in the worst case scenario, euthanize their pet due to financial constraints.
"And it breaks your heart, especially when it's a condition that can be treated and you can't do it because of money," Nicholas told NBC News BETTER. "There are definitely cases where people who can afford $50 a month in insurance now can't afford $8,000."
Checkbook.org, an independent nonprofit consumer organization that reviews products and services, conducted an in-depth study of pet insurance and found that it has "improved over the past 15 years." Most policies today cover hereditary and congenital problems, chronic problems and even alternative medicine.
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But from a financial standpoint, Checkbook concludes, "pet insurance isn't worth it for most people, especially those who aren't willing to pay big vet bills when their pets suffer serious injuries or serious illnesses."
Checkbook collected nine pet insurance quotes for Woof, a medium-sized male mixed dog, and found that even the most insurance plans cost more than what they paid for over the age of Woof 13 years. While Woof suffers from costly health problems, his owners are usually better off financially.
"Pet insurers often sell policies at affordable rates, and many do so when the pet is young," says Checkbook Managing Editor Kevin Brassler. "What most companies don't tell you is that premiums increase as pets age and eventually become unaffordable."
For example, coverage for mixed breed dogs in the San Francisco area from a reputable insurance company is only $44 per dog per month. But at age 8 it's $106 and at age 12 it's $191 a month. A premium purebred is often more expensive, sometimes twice, as a mixed animal.
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What the company doesn't disclose at all is that premiums increase as pets age, which they eventually can't afford to pay.
"Premiums for most policies increase dramatically as pets age. The price doubles when a puppy or cat is 4 or 5 years old, and they may need expensive veterinary care," Brassler told NBC News BETTER. "Most pet owners will likely drop their coverage if they have to pay more than $200 a month."
A record number of more than 2 million pets were insured in North America last year, an increase of nearly 17 percent, according to the Pet Health Insurance Association of North America.
The checkbook shows that two companies are out of the package. Healthy Paws and Trupanion offer the lowest lifetime premium costs. This is mainly because premiums do not increase as the animal ages.
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Based on extensive research, Checkbook concluded, "If you're looking to buy pet insurance, Healthy Paws and Trupanion are two great places to start your search."
"When we added medical coverage to our hypothetical pets, we found that for most policies, the added premiums were higher than they would have been; in other words, a waste of money," Brassler said.
I take out insurance to make sure my pets receive the best medical care if they get sick or injured. And as any vet will tell you, you never know if your pet has a mild health problem or a serious and expensive one.
Fortunately, Buster, the 10-year-old cat, has no health problems. So now we are losing money on our $600/year insurance coverage. And this is good. We buy insurance - auto, home, health - to cover disasters. We don't want to use it.
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And remember. Our pets live longer today and the risk of cancer increases with age. According to PetCareRX.com, treatment for dog cancer can easily exceed $13,000 if it involves surgery, chemotherapy or radiation.
"Ideally, your pets will live without serious illness or injury, but you never know," said Dr. Nicholas. "Accidents and diseases happen to all animals. And many of these things can be very expensive. With insurance, if the worst happens, you're covered and you don't have to worry about the financial consequences of your decisions.
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When it comes to pet insurance, there are many options to choose from. We've researched the best companies to find the best pet insurance policies and help you choose the one that best suits your pet's needs.
Best Pet Insurance For Dogs
Some of these policies cover up to 90% of pet veterinary fees.
We've researched ten insurance companies to find the best pet insurance company for your furry friend. Pets Best is the best choice if you are in a hurry.
Your financial situation and your pet's needs are two of the most important factors to consider when choosing insurance for your pet.
Buying pet insurance is a great way to add additional financial security to your home. This is a way to protect you from paying the full cost of your vet bill if your pet is injured or sick.
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Pets Insurance Best Pets is your top choice for the most reliable and comprehensive pet insurance business, so if you want to protect your pet, look no further.
Pets Best is a great choice because it offers a wide variety of deductibles and policy types.
Because it covers a wide range of pet ages, it's a great choice for young and old pets.
Mobility issues, including hardware and device issues, are also addressed. The fact that Pets Best insurance has both exclusions is one of the downsides of the policy.
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If your pet already has a condition that is known to only affect one part of the body, such as hip dysplasia, the condition will not be covered if it later develops on the other side of the body.
Compared to the prices offered by other companies, Pets Best insurance policies fall in the middle.
Discounts are available for customers who pay annually, have multiple pets, or are in the military. Discounts can be collected up to 12% of the original price. The deduction is not offered in all countries.
Pets under the age limit can be insured through Pets Best. Owners can take out coverage for their pets when they are seven weeks old.
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Pets Best is another great option for older pets because there is no age limit for coverage. One of the few companies that offers coverage of wheelchairs and prosthetics.
Pets Best offers private coverage options. There is more than one plan, each with different levels of coverage.
One of the downsides to using Pets Best is that if you want to change your coverage, you have to wait until your plan renewal date.
The application cannot be returned for approximately 45 days from the date of submission. That's more than any other pet insurance provider.
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The ASPCA provides reasonable premiums with flexible policy terms. You can choose a preventive care plan, accident, illness or just accident.
Pets do not have to meet an upper age limit to be eligible for congenital and genetic disorders through the ASPCA.
Any undiagnosed condition before enrolling is eligible for coverage, as are treatable conditions, as long as your pet has been symptom-free for at least 180 days.
The ASPCA plan offers a very affordable monthly fee. In addition, they give more freedom to existing insurance conditions.
Best Pet Insurance Plans For Dogs
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