Let’s face it – We love our pets! They are part of our family and we would do anything to keep them healthy and living long! Pet Insurance is an important product to consider for any pet parent. CloudTags is obsessed with researching everything pets and in recommending the best of the best products to our readers. On this page you’ll find pet insurance reviews along with our advise and buying guides for the Best Pet Insurance.
How to Find the Best Pet Insurance For You
Pet insurance plans can be hard to compare in a side by side kind of way. Coverage, and pricing variation make it hard to calculate the potential value and all in cost of each plan.
Choose the Best Pet Insurance Plan Type
Do you want a pet insurance that goes above and beyond for your pet each time, or do you want to hold the bag for the main costs with an accident-only plan that won’t pay anything for pet illnesses? Or something in between?
Comprehensive pet insurance plans that cover a wide range of health-related problems plus wellness are typically the most expensive, they if you want complete coverage and peace of mind, they might be worth considering.
Pet insurance can generally be broken down into these plan types:
- Accident and illness coverage. This type of policy typically covers vet visit bills for general accidents (like an ACL rupture) and illnesses, including common illnesses, hereditary conditions and serious illness (like cancer). You won’t be covered for wellness exams such as routine veterinary visits, flea and heartworm prevention, or vaccinations.
- Comprehensive coverage. Sometimes called a “nose-to-tail” policy, this typically includes medical bills for accidents and injuries, serious or chronic illness, hereditary conditions, diagnostic tests, surgeries, treatments, and wellness, such as routine veterinary checkups and vaccinations.
- Accident-only coverage. This type of policy covers vet bills if your pet is injured in an accident, but you won’t be covered for illness-related medical bills.
- Pet wellness coverage. This type of plan covers wellness-related medical expenses, like routine veterinary checkups, flea and heartworm prevention, and vaccinations. You can often add wellness benefits to an accident and illness plan.
How Pet Insurance Costs Are Determined
In addition to the coverage choices you make, your type of pet will determine the price of pet insurance. For example, cats are generally cheaper to insure than dogs, and birds, ferrets, rabbits and reptiles are cheaper to insure than cats.
A pet’s breed plays a major role in determining pet insurance costs. That’s because certain breeds are predisposed to illnesses and hereditary problems, which often means more veterinary visits and higher medical expenses.
Dog breeds have the largest pet insurance pricing variations, as opposed to cats. The most expensive dog breeds for pet insurance include:
- Great Danes
- Shar peis
- Pit bulls
- Portuguese water dogs
Older pets are more expensive to insure than younger pets. We found that the best prices were after a pet’s first birthday until around age six. As the pet gets older, your pet insurance premiums could increase when you renew your policy.
To come up with our reviews and insurance buying guides we used PetInsurer.com to score each pet insurance company based on the following factors.
Price: 32% of score.
Plan benefits: 71% of score.
While we placed value on a rich selection of benefits, you might decide that an accident-only plan or other reduced and lower cost plans are the best pet insurance for what you need.
Pet Insurance Reviews
Our experts have compiled the best reviews on the internet for Pet Insurance. We’ve interviewed trainers, veterinarians, pet parents, and general consumers to get passed all the noise and to narrow down the best of the best pet insurance options. In this article we will provide a comparison chart and several helpful tips to help you find the best pet insurance on the planet! We strive to help fellow pet lovers plan and be ready for anything related to their pets health. If you’re looking for Pet Insurance Reviews Press Here.
Pet insurance comparison chart
So without further delay let’s get right down to business… CloudTag is going to help you compare various popular pet insurance companies.
Nationwide provides pet insurance but there are several limits. You’ll need to verify which limits they have to make sure you’re getting the coverage you desire. Their average price is $48.22. They get a 1.4 out of 5. Press below to read reviews from customers who’ve used nationwide for pet insurance.
Pet Premium gets a 3.1 star average review. They average about $51.58 but again just like Nationwide they have several limits.
$69.79 is the average cost and they get a 3.4 star out of 5.
Averaging a 3.7 out of 5 stars Pet Plan insurance in ranging about $57.7. They are a little less than Trupanion but you’ll need to compare the limitations against each provider.
This is an interesting pet insurance plan. Pets Best averages a 3.7 star for their coverage and their price is considerably lower than the competition at an average of $46.71. It’s definitely worth seriously looking into Pets Best.
Although their price is $71.64 Embrace insurance gets some of the highest marks on ratings based on consumer reports. They get a 4.3 stars out of 5.
The winner of the day is Healthy Paws pet insurance. They get the highest ratings and they have the lowest cost in coverage. Healthy Paws gets 4.9 stars out of 5 and has an average cost of $37.28.