Best Pet Insurance 2022: Protecting Your Furry Friend

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As a pet owner, you know how important it is to keep your furry friend healthy and happy. However, unexpected accidents and illnesses can arise, and veterinary bills can quickly add up. That’s where pet insurance comes in. With the right policy, you can provide your pet with the best possible care without breaking the bank. In this article, we’ll take a look at the best pet insurance options for 2022.

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What to Look for in Pet Insurance

When choosing a pet insurance policy, there are several factors to consider:

Factor
Importance
Coverage
High
Cost
High
Deductible
High
Reimbursement percentage
High
Exclusions and limitations
Medium
Customer service
Medium
Claims process
Medium
Wellness coverage
Low

It’s important to find a policy that provides comprehensive coverage for accidents and illnesses, as well as routine care. Cost is also a major factor, as you’ll want to find a policy that fits within your budget. Deductibles, reimbursement percentages, and exclusions and limitations can all affect the overall cost of a policy. Additionally, good customer service and an efficient claims process can make all the difference in the event of a claim.

The Top Pet Insurance Companies for 2022

1. Healthy Paws

Healthy Paws is one of the top-rated pet insurance companies in the industry, thanks to its comprehensive coverage and excellent customer service. The company offers customizable policies with unlimited annual benefits, no payout limits, and a 99% reimbursement rate for covered services. Healthy Paws also covers hereditary and congenital conditions, as well as alternative therapies like acupuncture and hydrotherapy.

However, it’s worth noting that Healthy Paws does not offer wellness coverage, and some pre-existing conditions may be excluded from coverage.

2. Petplan

Petplan is another highly rated pet insurance company that offers comprehensive coverage for accidents, illnesses, and routine care. The company’s policies cover hereditary and congenital conditions, as well as prescription medications and alternative therapies. Petplan also offers customizable policies with various deductible and reimbursement options.

However, the company’s policies can be relatively expensive, and some pre-existing conditions may not be covered.

3. Embrace

Embrace is a pet insurance company that offers customizable policies with comprehensive coverage for accidents, illnesses, and routine care. The company’s policies cover hereditary and congenital conditions, as well as alternative therapies like chiropractic and acupuncture. Embrace also offers a healthy pet discount for pets with no pre-existing conditions, as well as a diminishing deductible for each year that goes by without a claim.

However, Embrace’s policies may be more expensive than some other options, and certain pre-existing conditions may be excluded from coverage.

FAQ

1. What does pet insurance cover?

Most pet insurance policies cover accidents and illnesses, including hereditary and congenital conditions. Some policies also cover routine care, like vaccinations and check-ups, as well as prescription medications and alternative therapies. It’s important to read the policy details carefully to understand exactly what is covered.

2. How much does pet insurance cost?

The cost of pet insurance can vary depending on factors like your pet’s age, breed, and health, as well as the coverage options you choose. On average, pet insurance can cost anywhere from $20 to $50 per month, but this can be higher or lower depending on your specific circumstances.

3. How does pet insurance work?

When you purchase a pet insurance policy, you’ll pay a monthly or annual premium. If your pet requires medical care, you’ll pay the veterinary bill upfront and then submit a claim to your insurance company for reimbursement. The amount of reimbursement you receive will depend on your policy’s deductible and reimbursement percentage.

4. Can I get pet insurance for an older pet?

Yes, many pet insurance companies offer coverage for older pets. However, the cost of coverage may be higher, and some policies may have age restrictions or exclusions for pre-existing conditions.

5. How do I choose the right pet insurance policy?

When choosing a pet insurance policy, it’s important to consider factors like coverage, cost, deductible, reimbursement percentage, and customer service. You should also read policy details carefully to understand any exclusions or limitations. Finally, consider reading reviews and comparing options to find the best policy for your pet’s needs and your budget.

With the right pet insurance policy, you can provide your furry friend with the best possible care without breaking the bank. Consider the options we’ve highlighted here and do your research to find the best policy for your pet in 2022.

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