Assessing and treating disorders of primary hemostasis
Health Care Buzz: What Is A Pre-existing Condition And How Does It Work With Insurance: Before And After The Affordable Care Act/Obamacare, Part 1
With some Court rulings and much misinformation, multiple questions have come to the Foundation regarding — is there still protection for pre-existing conditions? Good news — the Affordable Care Act/Obamacare is still in place with all the pre-existing protections! As a refresher, take a look at how the pre-existing limitation from the insurance companies/plans worked before and after enactment.
Day Egusquiza
COURTESY PHOTOAfter considerable debate and discussion, the Affordable Care Act, aka Obamacare, was passed/enacted on March 23, 2010. One of the key elements was the protection from exclusion or waiting periods by the insurance company for pre-existing conditions. To better understand this significant protection, it is important to look prior to 2010 to gain an understanding of what was in place and used by the insurance companies.
Definition: Most insurance companies use one of two definitions: "Objective standard" definition, a pre-existing condition is any condition for which the patient has already received medical advice or treatment prior to enrollment in a new medical insurance plan. Under the broader "prudent person' definition, a pre-existing condition is anything for which symptoms were present and a prudent person would have sought treatment.
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Before ACA/Obamacare: Which definition may be used was sometimes regulated by state law.
Ten states did not specify either definition, 21 required the "prudent person" standard and 18 required the "objective standard." Every state, every insurance plan could make its own determination.
What did this really look like: Each state could determine their maximum pre-existing condition exclusion period. If a condition was deemed as "pre-existing," the state's pre-determined maximum waiting or exclusion periods before any coverage for the pre-existing condition was used. This period ranged from six months in Oregon, Massachusetts, and New Mexico to 10 years in Indiana, to unlimited in 10 other states. Idaho was part of a large group of states (23 states) with a maximum exclusion/waiting period of 12 months. Essentially, when purchasing insurance, if a pre-existing condition was identified/as requested when completing the health history upon enrollment, the insurance plan would apply a non-covered exclusion for up to 12 months for that diagnosis. (EX: The patient had cancer two years ago. Signs up for a new job, new insurance. The insurance could disallow any coverage for cancer care for up to 12 months.)
There was an additional "look-back period"/date ranges where the insurance could look for pre-existing conditions and deny or delay payment. Some were based on the size of the commercial insurance plan. (EX: 2-50 employees had more limitations than larger groups.)
In Part 2, we will compare the protections under the current law- Affordable Care Act/Obamacare with prior to implementation of the law.
We will outline the protections while updating the volume of Americans with pre-existing conditions which will now include the group of patients recovering from COVID-19.
Day Egusquiza is the president and founder of the Patient Financial Navigator Foundation Inc. — an Idaho-based family foundation. For more information, call 208-423-9036 or go to pfnfinc.Com. Do you have a topic for Health Care Buzz? Please share at daylee1@mindspring.Com.
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10 Best Pet Insurance For Dogs: Protect Your Furry Friend's Health
As devoted pet owners, your dog's health and well-being are of the utmost importance to you. Like humans, dogs can experience unexpected accidents or develop illnesses requiring outside care. The rising costs of veterinary treatments and procedures make providing the best care for your furry friend challenging. Fortunately, that's where pet insurance for dogs comes in.
Our guide will explore the importance of pet insurance for dogs and how it can safeguard your furry friend's health. We'll delve into the benefits of each pet insurance we vet for the list.
Then, we'll explore factors to consider with a pet insurance company, how costs are determined, and everything in between.
Lastly, we'll answer some frequently asked questions about pet insurance. We aim to help you narrow down the best pet insurance companies to discover the right one for your needs. Let's discover how to protect your furry friend's well-being and provide them with a lifetime of love and care.
The best pet insurance companies and best pet insurance providers include:
Let's first dive into an overview of the best pet insurance companies. We'll explore the pet insurance companies, including the pros, cons, and details about pet insurance plans.
Spot Pet - Best Pet Insurance OverallSpot Pet Insurance is our top pick for the best pet insurance overall. With Spot, you can easily get a free pet insurance quote in 30 seconds. You can visit any vet in the USA or Canada, providing you with flexibility and convenience. Spot offers a range of coverage options for cats and dogs.
Pros● Easy to get a free pet insurance quote in about 30 seconds
● Up to 90% cash back on vet bills
● Can visit any vet in the USA or Canada
● 24/7 telehealth pet helpline
● Multi-pet discount when you have multiple pets
Cons● 14-day waiting period for coverage
● Pets must be eight weeks or older to enroll
Coverage Options, Plans, & PricingSpot Pet Insurance offers a variety of coverage options for cats and dogs.
Their most popular coverage options are accident and illness plans.
It starts as low as $18/month for dogs and $13/month for cats. The plan covers:
● No preventative care requirements to cover certain illnesses
● Cancer treatments, including radiation therapy and chemotherapy, but not limited to them
● Diabetes and other chronic conditions
● Respiratory infections
● Certain dental illnesses, as well as tooth extractions for dental accidents
● Exam fees for covered conditions
The Accident-Only plan starts as low as $16/month for dogs and $10/month for cats.
It covers treatment for:
● Swallowed foreign objects
● Surgery and hospitalization for accidents
● Lacerations, stings, broken bones, toxin ingestion, etc.
Spot Pet Insurance also provides preventative care coverage options. These are broken up into two plans: Gold or Platinum.
The Gold plan at $9.95/month offers maximum annual benefits for:
● Dental cleaning
● Wellness exams
● Deworming
● Dog DHLPP or Cat FVRCP Vaccine/Titer
● Fecal test
● Dog heartworm or cat FELV test
● Rabies and/or dog Lyme or cat FIT vaccine/titer
● Spaying or neutering
Meanwhile, the Platinum plan at $24.95/month offers higher maximum annual benefits on all the Gold Plan's coverage options. It also covers a health certificate, flea and heartworm prevention, blood tests, and urinalyses.
Customer ServiceSpot's helpful team is just one phone call away during business hours. Or, you can reach out to email support instead. Alternatively, you can use Spot's 24/7 telehealth pet helpline if you're a current policyholder.
Customer ReviewsIt's not easy to be at the top of the best pet insurance companies. But Spot seems to offer one of the most popular pet insurance plans across the market. Out of all the pet insurance companies we got quotes from, Spot stands out as one of the best pet insurance companies by far. In fact, it's even recognized as America's Best Pet Insurance Company by Forbes. With a 4.2-star rating from pet parents nationwide, the reviews are stellar for Spot's pet insurance.
DeductibleSpot's deductibles vary by preference. Deductible options for Spot's accident and illness coverage are $100, $250, $500, $750, or $1,000 per year.
Reimbursement PercentageReimbursement percentages don't apply to preventive care plans. For both of Spot's main plans, you may choose a 70%, 80%, or 90% reimbursement percentage.
>> Try Spot Pet!
Annual Coverage LimitThe annual coverage limit for Spot ranges from $2,500 to unlimited payouts. It depends on the plan, with some plans having a $5,000 or even $10,000 coverage limit.
Embrace Pet - Best Pet Insurance Runner-UpEmbrace Pet Insurance is a highly rated pet insurance provider, earning a 5-star rating from Forbes. With coverage accepted at any vet nationwide, Embrace makes claims easy with unlimited reimbursement. They offer a multi-pet discount for those with multiple pets and provide a 24/7 pet helpline for routine support.
Embrace's full coverage policy includes coverage for a wide range of conditions and treatments, excluding pre-existing conditions. As the runner-up for the best insurance for dogs, Embrace Pet offers the comprehensive coverage many pet owners look for. Their highly customizable plans make finding something that fits your furry friend's needs easy.
Pros● Rated 5-star pet insurance by Forbes
● Use at any vet across the country
● Claims made easy with unlimited reimbursement
● Multi-pet discount for multiple pets
● 24/7 pet helpline for routine support
Cons● Limited range of options for deductibles and annual coverage
● Extended waiting periods depending on the health condition (with exceptions!)
Coverage Options, Plans, & PricingEmbrace Pet Insurance's full coverage policy covers almost everything under the sun – besides pre-existing conditions. And even for pre-existing conditions, they handle things differently by differentiating between curable and incurable.
Embrace Pet's plans start at as low as $29.71/month for dogs and $12.22/month for cats. They also charge a $25 enrollment fee. There are multi-pet discounts, military discounts, and even discounts for animal care workers, so there are many ways to save.
The Accident Only plan covers problems such as:
● Swallowing foreign objects
● Injuries from getting struck by a vehicle
● Torn cruciate ligaments
Embrace Pet's Accident and Illness coverage provides a much broader range. It covers:
● Alternative therapies and rehabilitation, such as laser therapy or acupuncture
● Behavioral therapy
● Breed-specific, congenital, and/or genetic conditions
● Cancer testing and treatment
● Chronic condition treatments for arthritis, diabetes, etc
● Dental illnesses, including root canals, extractions, and gingivitis
● Hospitalizations and emergency vet care
● X-rays, MRIs, and any other diagnostic testing
● Orthopedic conditions
● Prescription medications
● Preventable conditions, including parvo, Lyme disease, and parasites
● Specialist care, including internal medicine experts
● Surgeries, including vet/technician time, anesthesia, rehabilitation services, etc
Customer ServiceEmbrace makes it easy to contact a Contact & Help Center that answers frequently asked questions. You can reach out in several ways if your questions aren't answered there.
Current policyholders can log into their customer accounts and do a live claims chat. You can reach out through email support or phone support, too. The insurance provider also offers a mailing address for paper mail.
Customer ReviewsEmbrace Pet Insurance proudly displays customer stories directly on its platform. The customer anecdotes are heartwarming, full of feel-good stories about owners that ultimately get to spend more time with their pets. Seeing is believing for many people, so it's nice to see customer stories from pet parents that speak for themselves.
DeductibleUnlike most pet insurance companies, Embrace offers a wider range of deductible options:
● $200
● $300
● $500
● $750
● Or $1,000
>> Try Embrace Pet!
Reimbursement PercentageEmbrace Pet puts the control in your hands with its reimbursement rates. Choose between 70%, 80%, or a 90% reimbursement percentage. Remember, the higher the percentage, the higher your monthly premium will cost.
Annual Coverage LimitEmbrace Pet Insurance offers annual limits ranging from $5,000 to unlimited in most states. The Accident Only plan reimburses up to $5,000 each year.
Odie Pet - Best Pet Insurance for 24/7 Vet ChatWith a 30-day money-back guarantee and dedicated customer support, Odie ensures a seamless experience for pet owners. Their flexible plans have no breed restrictions or age limits, providing coverage for any dog or cat breed. Odie also offers some of the shortest waiting times in the industry.
Ultimately, Odie ensures that your pets receive the care they need when they need it. Their commitment to pets make them a reliable choice across the pet insurance market.
Pros● 30-day money-back guarantee
● Free 24/7 vet chat + dedicated customer support
● Flexible plans for any dog or cat breed – no breed restrictions or age limits
● Some of the shortest waiting times in the industry
● Fully customizable and flexible coverage plans
Cons● Reimbursements are sent through paper mail
● Not available in some states, including Alaska
Coverage Options, Plans, & PricingOdie's Routine Care plans start at $14/month, while Routine Care Plus plans start at $23/month. And, with a multi-pet discount, you can save even more on your premiums.
Overall, Odie offers three pet insurance tiers, the first being an Accident and Illness Coverage plan. It covers:
● Live vet chat 24/7
● Genetic and congenital conditions
● Diagnostics and testing
● Surgery/hospitalizations
● Cancer and chronic conditions
● Specialist care
● Non-routine dental
● Prescription medication
Meanwhile, Odie's Routine Care plan covers:
● Wellness exams
● Heartworm/FELV/blood/fecal exams
● Heartworm, flea, and tick prevention
● Vaccination/titer
● Microchip
Odie's Routine Care Plus plan covers spay/neuter and teeth cleaning.
There are also available add-ons, including the extra coverage rider.
When you choose a plan with Odie, you'll choose between three tiers of varying annual limits:
● $5,000
● $10,000
● Or $40,000
Customer ServiceOdie's customer service team is available during specified business hours, Monday through Friday. The company offers support via email, live chat, or phone.
Alternatively, current policyholders can also use the customer portal to directly change their policies. You'll also access the 24/7 televet service to chat with a licensed veterinarian. You can get real advice or ask questions about your pet's health at any time.
Customer ReviewsWhile Odie is a newer, up-and-coming pet insurance provider, reviews so far are already positive. There are zero complaints, and Odie appears to be a company many pet owners would recommend to anyone with pets.
DeductibleAnnual deduction options vary wildly with Odie – from $50 to $1,000! Odie puts a lot of the control into your hands so you can adjust your deductible as needed.
Reimbursement PercentageOdie's reimbursement percentages range from 70% to 90% for all three plans.
Annual coverage limitThere are three tiers to choose from when you pick a plan from Odie. These varying annual limits are $5,000, $10,000, or $40,000.
Lemonade Pet - Best Pet Insurance Company With Affordable RatesLemonade Pet stands out as the best pet insurance company with affordable rates and comprehensive coverage. The accident coverage waiting period is only two days, ensuring quick protection for your furry friends. For added preventative health, Lemonade provides an optional wellness plan.
Lemonade ensures that your pets receive the protection they deserve. Their commitment to customer satisfaction makes the brand a reliable, trusted provider in the pet insurance industry.
Pros● Lowest prices for puppies, kittens, and other young pets
● Only a 2-day accident coverage waiting period
● Optional wellness plan for added preventative health
● Medical advice chat available with some plans
● Cancel at any time
Cons● No 24/7 vet chat option, though customer support is still friendly and prompt
● Longer waiting periods for certain types of therapy or procedures
Coverage Options, Plans, & PricingLemonade's coverage policy starts at $10/month for a dog or a cat. From there, the price ranges due to several factors.
First, there's Lemonade's Accident and Illness plans. The comprehensive package covers:
● Injuries like cuts and broken bones
● Health conditions like diabetes, arthritis, cancer, and urinary tract infections
● Diagnostics such as blood tests, MRIs, etc
● Hospital stays
● Prescription medication
● Specific procedures and surgeries
Then, Lemonade also offers Preventative Care packages. The wellness plans for adults include:
● One wellness exam (annually)
● One fecal or internal parasite test
● Up to three vaccines/boosters per year
● A heartworm or FeLV/FIV test
● Bloodwork annually
Alternatively, there are Puppy/Kitten Preventative Care packages for younger furry friends. The package covers:
● Two wellness exams
● Two fecal/internal parasite tests
● Up to six vaccines/boosters
● Heartworm or FeLV/FIV test
● Bloodwork annually
● Flea, tick, and/or heartworm medication
● Spaying/neutering
● Microchipping
Lastly, Lemonade pet insurance provides add-ons to include a broader range of coverage. These add-ons include coverage for:
● Therapy and medications for behavioral conditions
● Dental work, including root canals, extractions, and treatment for dental illnesses like gingivitis
● End-of-life and remembrance costs, including memorial items, cremation, and euthanasia
● Physical therapy treatments like chiropractic care or acupuncture
● Vet visit fees for eligible accidents or illnesses
Customer ServiceYou can drop a note to Lemonade's email team for support or call their toll-free number for their phone support team. Be sure to call during their specific business hours.
Outside of those options, you can reach out for help directly on Lemonade's website. A team member will respond as quickly as they can. Unfortunately, there's no chat option available here.
Customer ReviewsFully regulated and reinsured by some of the most trusted names on the planet, Lemonade is an A-rated insurance company. And the reviews reflect that, whether you look directly on their website or across the web. No matter who you ask, most former customers have positive things to say about Lemonade.
DeductibleLemonade provides three deductible options for its accident and illness plan. The lower your deductible, the higher your monthly premium cost will be. It all comes down to what you're comfortable paying monthly versus all at once. Deductible options are $100, $250, or $500.
Reimbursement PercentageLemonade offers three reimbursement rate options: 70%, 80%, or 90%. The higher your reimbursement rate, the higher your monthly premium is likely to cost.
Annual Coverage LimitLemonade's annual coverage limit has one of the widest ranges we've seen. Get reimbursed between $5,000 and $100,000 per year, depending on the plan.
Pet Assure - Best for No-Deductible Pet InsurancePet Assure has provided veterinary plans since 1995, offering a unique alternative to traditional pet insurance. Instead of paying in full and receiving a reimbursement, Pet Assure provides instant savings at the vet's office.
The coverage plans have no exclusions, accepting all pre-existing conditions and animals of any age. Pet Assure also isn't limited to dogs and cats. It extends coverage to all pets, from monkeys to llamas and beyond!
Pet Assure is a cost-effective routine, preventive care option. The program's accessibility makes Pet Assure an attractive choice for pet owners seeking affordable pet healthcare solutions.
Pros● Providing coverage to pet owners since 1995
● No deductible and no waiting period with some plans
● No more having to file claim forms – the savings are instant at the vet
● 45-day money-back guarantee
● All types of pets are accepted – not just dogs and cats, but monkeys, llamas, and any other member of the animal kingdom (except humans)
● Absolutely no exclusions – all pre-existing conditions accepted, no claim ever denied, no age limitations, you name it!
Cons● Only valid at participating veterinary offices
● Doesn't cover medication – only a discount, as it's an alternative to outright pet insurance
Coverage Options, Plans, & PricingPet Assure offers a variety of pricing options no matter which plan you choose.
Monthly premiums start at $9.95/month for a single cat or $11.95/month for a single dog.
The single-cat plan also covers any small animal, and the single-dog plan covers any large animal. All types of pets are included in the coverage plans!
There are annual discounts, bumping the price down to $6.58/month or $8.25/month, respectively.
Pet Assure also offers a Family plan for 2 to 4 animals of any size or an UNLIMITED plan for EVERY pet in your household.
These prices start at $16.95/month or $21.95/month. If you pay annually instead, you'll pay $12.42/month or $16.58/month.
Each plan offers the same discounts since they vary by the number and type of animals you have.
But what's included in the discount for these plans? All in-house medical services and procedures! That includes:
● Dental Cleanings
● Dental Exams and X-Rays
● Spays & Neuters
● Routine Care & Vaccines
● Diabetes Management
● Cancer Care
● Hospitalization
● Wellness Visits
● Surgical Procedures
● Allergy Treatments
● Sick Visits
● Emergency Care
● Tumor Removal
● Ultrasound
● Parasite Screenings
Customer ServicePet Assure's support team is available by phone or by live chat 24/7. It makes contacting someone about issues, concerns, or questions easy.
Customer ReviewsThe customer reviews across the web for Pet Assure are fairly positive. However, some customers feel dislike that the company offers a discount program rather than true pet insurance. On the bright side, it can be used for routine or preventive care at no extra cost. Plus, there are no waiting periods. Overall, there's a lot to love about Pet Assure, and the customer reviews resonate with that.
DeductibleBecause Pet Assure is a discount program instead of an outright pet insurance policy, there's no deductible. You get the discount immediately at participating veterinary offices. While the discount is maxed at 25%, you get away with only a monthly membership fee versus a monthly premium.
Reimbursement PercentageUnlike other pet insurance providers, Pet Assure is a discount program. The company offers up to 25% off vet visits.
While not an insurance policy, Pet Assure is a handy option for pet owners to save money. That goes especially for animals with pre-existing conditions or senior pets since Pet Assure has no restrictions.
Annual Coverage LimitThere are no limits to the discount program from Pet Assure. Receive unlimited veterinary discounts for dogs, cats, birds, exotic animals, and other pets!
Pets Best - Best for Saving at Each Vet VisitPets Best is a pet insurance provider that excels at helping pet owners save at each veterinary visit. With a wide range of plans and coverage options, Pets Best understands that every pet is unique. With no upper age limit for pets, the company can provide comprehensive support where it counts.
Pets Best is an excellent choice for pet owners looking to protect their furry companions while managing healthcare expenses.
Pros● Deposit claims straight to your bank account – and quickly!
● Wide range of plans and coverage options because every pet is unique
● Up to 90% reimbursement on vet visits and fees
● 24/7 emergency vet hotline
● No upper age limit for pets
● 3-day waiting period with accident coverage
Cons● Doesn't cover certain alternative therapies
● Longer waiting periods for certain conditions
Coverage Options, Plans, & PricingPets Best offers Dog & Puppy insurance, Cat & Kitten insurance, and pet wellness plans.
These plans cover surgeries, illnesses, accidents, cancer, and much more. With varying coverage levels, BestBenefit plans can be customized to meet your furry friend's needs and your budget.
All BestBenefit Accident and Illness coverage:
● Accidents like lacerations, car accidents, broken bones, poisoning, and more
● Illnesses ranging from arthritis to urinary tract infections
● Cancer treatments
● Hereditary and congenital conditions
● Emergency care, hospitalization, and surgery
● Prescription medications
● Ongoing and chronic conditions
● Diagnostics
● Prosthetic devices and wheelchairs
● Behavioral conditions
● Dental coverage
● Euthanasia
● Coverage while traveling
Some plans also cover the following:
● Vet exam fees
● Certain other prescription medications
● Acupuncture and chiropractic treatments
● Physical rehabilitation
Pets Best also offers an Accident Only plan designed for those on a limited budget that still want great coverage. These plans cover things like:
● Broken legs
● Snake bites
● Accidental swallowing
● And more
Pricing starts at $6/month for cats and $9/month for dogs, but it varies by plan and coverage options you choose.
Lastly, Pets Best's EssentialWellness or BestWellness routine care coverage add-ons can be added to any plan for an additional premium.
The routine care coverage helps with the expected and regular veterinary visits. Shots, teeth cleaning, and other forms of routine care are just some examples. There's no deductible to meet for the routine care add-on, and coverage begins the day after you enroll.
Customer ServiceIt's easy to find answers with Pets Best. First, the contact page on their platform lets you search their FAQs for quick answers. If your questions don't stop there, you can get in touch via phone support within their specified business hours.
Alternatively, you can reach out to their 24/7 emergency vet helpline. When you need support the most, you can count on Pets Best's experts to be there.
Lastly, Pets Best offers a mailing address to assist via physical mail and even a fax number. There are plenty of ways to contact the pet insurance provider.
Customer ReviewsCustomer reviews and testimonials are proudly displayed on Pets Best's website. Former customers brag about the help they've received, and many appreciate how Pets Best removed a significant financial burden from them.
DeductibleThe Pets Best accident-only plan has a reasonable set deductible of just $250. The accident and illness coverage plans allow pet owners to customize their premiums instead. Part of that is where you can choose your deductible, ranging from $50 to $1,000.
Reimbursement PercentageWith Pets Best, you'll select a plan that reimburses 70%, 80%, or 90% of the cost of eligible veterinary treatment. The reimbursement amount is also limited to covered expenses.
Annual Coverage LimitSome plans with Pets Best provide a $5,000 annual reimbursement limit. Others have no annual or lifetime limits to help provide owners with further financial peace of mind.
Trupanion - Best for Chronic ConditionsTrupanion stands out as a pet insurance provider specializing in comprehensive coverage for chronic conditions. Trupanion offers peace of mind and financial security with unlimited annual coverage and zero deductibles.
Coverage is valid at any veterinary, emergency care, or specialty animal hospital in the USA, Canada, Puerto Rico, and Australia. Trupanion provides transparency from the start, with payments made directly during checkout.
The company has a broad network of accepted hospitals, a transparent payment process, and exceptional customer service. Trupanion is a reliable choice for pet owners seeking comprehensive coverage and financial protection for their pets' chronic conditions.
Pros● Unlimited payouts and zero deductibles
● Valid at any veterinary, emergency care, or specialty animal hospital in the USA, Canada, Puerto Rico, and Australia
● Coverage transparency from the start
● Payment in seconds rather than reimbursements that can take days or even weeks
● Pet insurance provider pays your bill at checkout
Cons● Routine veterinary visits and vet exam fees are not covered
● 12-day waiting period before coverage is effective, but this can be waived with an Exam Day Offer for immediate coverage
Coverage Options, Plans, & PricingTrupanion offers pet insurance differently than a traditional pet insurance company might. Using a variety of factors, including your pet's gender, age at enrollment, breed, and more, Trupanion determines tailored pricing.
That means no pet's price is the same! Even the available veterinary care specific to your region plays a role in pricing.
Fortunately, Trupanion offers thorough, high-quality coverage for your pet for their lifetime. The personalized monthly costs use a shared risk pricing model to treat all pets fairly and equally.
A Trupanion policy covers:
● Hereditary + congenital conditions
● Breed specific conditions
● New, unexpected injuries + illnesses
● Unidentified issues
● Allergies
● Diagnostic tests + lab tests
● X-rays, CT scans + ultrasounds
● Hospital stays + surgeries
● Medications + supplements
● Prescription food
● Advanced dentistry
● Physical therapy + rehabilitation
● Acupuncture + alternative therapies
● Behavioral modifications
Trupanion's medical insurance plan even includes hydrotherapy, rehabilitative therapy, and chiropractic care.
Coverage starts after a 12-day waiting period, which can be waived with an Exam Day Offer for immediate coverage instead.
Customer ServiceTrupanion's support team is open 24 hours a day, every day of the week. You can call, email, or even chat online with support directly.
Alternatively, you can ask a question on Trupanion's contact form, and a support member will get back to you however you prefer. Or, you can reach out even through paper mail. The options are plentiful with Trupanion.
Customer ReviewsThere aren't any customer reviews directly available on Trupanion's website. However, the reviews we've seen across the web paint the platform in a positive light. Customers rave about the coverage options and how friendly customer support is.
DeductibleThe deductible is different from other pet insurance plans available. While most offer an annual deductible, Trupanion offers a per-medical condition lifetime deductible. For each condition your pet has, you'll meet that specific deductible once, and then it's covered for your pet's lifetime.
The company also offers flexible deductible options to customize based on your financial needs. Deductibles start at zero and go upwards in five-dollar increments to $1,000.
Reimbursement PercentageTrupanion offers an impressive 90% reimbursement percentage for all pets, never imposing payout limits.
Annual Coverage LimitUnlike other companies, Trupanion proudly has no payout limit.
Fetch Direct - Best for a Quick but Comprehensive QuoteFetch Direct offers a convenient and efficient solution for obtaining pet insurance quotes quickly and comprehensively. With the ability to use any veterinarian in the USA or Canada, Fetch Direct provides flexibility and freedom of choice. There are no enrollment fees, and you can cancel at any time, offering convenience and peace of mind.
Fetch is approved by ASPCA pet health insurance and trusted by no-kill shelters across North America. The company provides some of the most comprehensive coverage options in the market. With fast reimbursement, claims can be approved and paid back in as little as two days via direct deposit.
Fetch Direct provides peace of mind and reliable coverage for your furry companions.
Pros● Use at any veterinarian in the USA or Canada
● No enrollment fee — cancel at any time
● ASPCA pet health insurance approved and trusted by no-kill shelters across the USA and Canada
● Provides some of the most comprehensive pet coverage across the market
● Get paid back fast – once your claim is approved, get paid back up to 90% of the vet bill in as little as two days via direct deposit
Cons● No optional wellness plan available to further help with preventative health
● No 24/7 vet helpline
Coverage Options, Plans, & PricingThe average pet insurance cost is $35/month for dogs and $25/month for cats with Fetch.
Once you input your pet's information, you can adjust your policy rate in several ways.
You can adjust your deductible rate, lower or increase your annual coverage amount, and adjust your reimbursement rate. Each of these factors will change the monthly pricing for your furry friend.
Depending on your choice, the annual coverage limits vary between $5,000, $10,000, or unlimited annual payouts.
Fetch's Injury & Illness plan includes coverage for:
● Prescription medications & supplements
● Emergency vet visits
● Virtual, in-home & office visits
● Hospital stays
● Physical therapy
● Allergies
● Surgeries
● X-rays & CT scans
● Ultrasounds
● Blood tests
● Breed-specific issues, including hip dysplasia
● Specialists
● Sick-visit exam fees
● Laboratory tests
● Vomiting & diarrhea
● Hereditary & congenital issues
● Swallowed objects & toxins
● Every tooth covered
● Gum disease
● Diabetes & insulin
● Cancer treatment
● Acupuncture & chiropractic care
● Treatment for aggression & separation anxiety
Customer ServiceThere are many ways to get in touch with Fetch for support. They have an interactive chatbot that's available 24/7 to answer questions, first and foremost.
Outside of that, they have live chat options during specific business hours. Fetch also offers email support, phone support, and even support by paper mail. There are so many ways to get in touch with the company!
Customer ReviewsReviews are available directly on Fetch's website and across the web. You can see what over 300,000 pet parents are saying about the pet insurance provider and their coverage policies. Most rave about the quality of Fetch's pet insurance. Others are pleasantly surprised that their pet insurance supports their needs at such a high level. Thanks to phenomenal customer service and great coverage, reviews are highly positive for Fetch!
DeductibleFetch's annual deductibles vary by plan and preference. Choose between a $250, $300, or $500 deductible plan.
Reimbursement PercentageYou can mix and match rates for personalized coverage with a reimbursement rate of 70%, 80%, or 90%.
Annual Coverage LimitFetch offers three options for a coverage limit annually: $5,000, $10,000, or $15,000.
Pet Secure - Best for Diverse Coverage PlansPet Secure offers comprehensive pet insurance with diverse coverage options. It's easy to get a quote instantly and start enjoying low-price deductibles. The pet insurance provider understands the comfort coverage can bring. Knowing that your family's finances are protected in case your pet needs vet care is a relief!
Pros● Save up to 80% on accidents, unexpected illnesses, and more
● Low-price deductibles
● Get a quote immediately for pet insurance coverage
● No upper age limit
● Varying levels of coverage to help you choose the right level for your pet's health
Cons● Preventive care is only covered in the Pet Secure 4 policy
● Waiting periods may be longer than other pet insurance providers
Coverage Options, Plans, & PricingPet Secure offers four different plans to meet the diverse needs of customers and those customers' pets.
The four tiers include: Secure 1, 2, 3, and 4.
The Secure 1 policy starts at $41/month for dogs and $23/month for cats. It covers:
● $1,000 per accident
● $1,000 per condition, per year
● $200 in dental care
But what does the pet insurance cover? In more detail, each policy covers:
● Accidents and illnesses
● Diagnostics
● X-rays
● Emergency care and hospitalization
● Surgeries Medications Dental coverage – cost of annual cleanings or problems with the teeth or gums
● Boarding/kennel fees
● Lost pet advertising
● Holiday cancellation
● Cremation/burial costs
● Alternative treatments such as acupuncture or massage
● Behavioral therapy
● Medical devices
Prices vary all the way up to the Secure 4 policy, which starts at $139/month for dogs and $73/month for cats. Secure 4 covers:
● Unlimited annual payouts for accidents
● Unlimited annual payouts for illnesses
● $600 in dental care
● $450 in wellness care
Wellness coverage for the Secure 4 policy also includes vaccines, annual check-ups, bloodwork, preventative heartworm medication, and flea control.
Customer ServicePet Secure has a 24/7 chat available on their platform for immediate assistance.
Likewise, the pet insurance company offers phone, email, and even paper mail support. The company makes it easy to reach out with concerns or questions to receive support as fast as possible.
Customer ReviewsReviews from former and current Pet Secure customers aren't readily available on the Pet Secure website. However, customer reviews outside the platform seem to rave about the company's plans and coverage. Overall, Pet Secure holds a positive reputation across the web as a trusted pet insurance provider.
DeductibleAs your pet ages, the deductible will vary from Pet Secure.
For the Secure 1, 2, and 3 policies, the deductible for dogs and cats up to 5 years old is $100 for option A. It's $300 for dogs and $200 for cats for option B.
The deductible for dogs 5 to 10 years old is $300 for option A or $500 for option B. For cats in the same age range, it's $200 or $300, respectively.
And for dogs older than 10, option A is $500, while option B is $700. For cats, it's $300 for A or $400 for B.
The deductible increases across the board for the Secure 4 policy – which makes sense since it provides the fullest coverage.
● Dog (Up to 5 yrs)
○ Option A - $250
○ Option B - 400
● Cat (Up to 5 yrs)
○ Option A - $200
○ Option B - $300
● Dog (5-10 yrs)
○ Option A - $400
○ Option B - $550
● Cat (5-10 yrs)
○ Option A - $250
○ Option B - $350
● Dog (10+ yrs)
○ Option A - $500
○ Option B - $700
● Cat (10+ yrs)
○ Option A - $300
○ Option B - $400
Reimbursement PercentagePet Secure proudly covers up to 80% as a reimbursement amount for your vet bill. That includes exam fees and taxes.
Annual Coverage LimitThe coverage limit each year for PetSecure varies by plan. The payout limits are $1,000, $2,500, $5,000, or unlimited payouts.
Nationwide - Best for Vet Visits Anywhere NationwideNationwide Pet Insurance is a trusted and well-established provider offering comprehensive coverage for pets across the United States. With over four decades of experience, Nationwide is known for its reliability and esteemed reputation in the industry. Their nationwide coverage allows you to visit any licensed veterinarian in the country. That ensures your pet receives the best care no matter where you are. With the flexibility to cancel risk-free anytime, Nationwide provides convenience and peace of mind.
Pros● Valid at any licensed veterinarian in the United States
● Cancel risk-free at any time
● Pet insurance premiums start at just $25/month
● Well-known insurance company with an esteemed reputation
● Providing coverage to pet owners for over four decades now
Cons● Can't combine wellness coverage with the Whole Pet plan
● Not all coverage options and plans are available online
Coverage Options, Plans, & PricingAs one of the top pet insurance providers, Nationwide's premiums start at just $16/month.
In total, Nationwide offers four very different pet insurance plans.
Nationwide's Whole Pet plan covers the broadest range of injuries and illnesses. It covers:
● Alternative therapies like chiropractic care or acupuncture
● Behavioral therapies and exams
● Dental illnesses, including gingivitis
● Congenital conditions
● Nutritional supplements or therapeutic diets that your vet prescribes
● Prescription medication
● Diagnostic tests
● Hereditary conditions
● Exams, hospitalizations, treatments, and surgery for injuries and illnesses, including cancer
The Modular plan isn't available online, but may be available if you call the company.
It allows you to pick and customize the coverage you want.
Then, the Major Medical plan doesn't offer as much coverage but may be sufficient for some owners.
It still covers a variety of conditions, illnesses, injuries, and accidents.
Lastly, Nationwide's Pet Wellness plan reimburses you for heartworm tests, vaccinations, nail trimming, and other basic or routine services.
Some plans can work in combination with each other for the ideal coverage level for your furry friend.
Customer ServiceNationwide makes it easy to get in touch with their support team. However, they don't have a 24/7 vet chat available, which is a downside. Instead, they offer phone support during specific call center hours. They also offer email support and have frequently asked questions answered conveniently on their platform.
Customer ReviewsReal customer reviews are readily available on Nationwide's pet insurance platform. Many past customers believe Nationwide coverage was the best decision for their pets. Since Nationwide is already such a well-known and reputable brand, this gives customers a sense of trust and reliability!
DeductibleExpect an average deductible of only $250 a year with Nationwide. However, other options might be available by phone.
Reimbursement PercentageYour reimbursement amount with Nationwide's pet insurance varies by plan.
The Whole Pet plan will reimburse you for 50% or 70% of vet expenses, depending on your choice.
Modular plans pay out 50% to 90% of expenses. Meanwhile, the Major Medical plan reimburses you based on your benefits schedule.
Annual Coverage LimitAll plans from Nationwide's insurance for pets provide a $7,500 maximum annual benefit.
Factors to Consider When Choosing Pet Insurance for DogsWhen choosing pet insurance, it's important to consider several factors to ensure you select a policy that meets your needs. Let's look at some of the most important factors to consider.
Coverage OptionsReview the coverage options offered by the insurance provider. Look for plans that cover accidents, illnesses, hereditary conditions, and chronic diseases.
Additionally, some policies may offer coverage for routine care, dental treatments, and prescription medications. Consider your pet's specific needs and choose a comprehensive coverage plan.
Deductibles and Reimbursement LevelsAssess the deductible amount and reimbursement levels offered by the insurance provider. The deductible is the amount you pay out of pocket before the insurance kicks in. At the same time, the reimbursement level determines the percentage of eligible expenses that the insurance company will cover.
Consider your budget and evaluate how much you can afford in terms of deductibles. From there, you can find a reimbursement level that provides sufficient coverage.
Exclusions and Waiting PeriodsFamiliarize yourself with the exclusions and waiting periods associated with the policy. Exclusions are conditions or treatments that the insurance provider does not cover.
Common exclusions include pre-existing conditions, cosmetic procedures, and elective treatments. Waiting periods refer to the time you must wait after purchasing the policy before you can make a claim.
Be sure to understand these limitations to avoid any surprises when making a claim.
Maximum Coverage LimitsDetermine if the policy has any maximum coverage limits. Some policies have an annual or lifetime maximum payout limit.
Consider the potential costs of veterinary care and choose a policy with a sufficient coverage limit to provide financial protection.
Customer Reviews and the Reputation of the Insurance ProviderResearch the insurance provider's reputation and read customer reviews to gauge their reliability and customer service. Look for feedback regarding claim processing, reimbursement speed, and overall satisfaction.
Choosing an insurance provider with positive reputation and customer reviews can give you the confidence to know they'll provide timely, efficient assistance.
Other Factors to ConsiderAdditionally, it's important to consider other factors, such as:
● The cost of premiums
● The insurance provider's network of veterinarians
● Any additional benefits or add-ons offered by the policy
● Age and breed restrictions
● And more
Considering these additional factors, you can make a more comprehensive assessment of pet insurance policies. Select the one that best suits your dog's needs and your financial circumstances.
How Pet Insurance Costs Are DeterminedThe cost of pet insurance can vary based on several factors.
Pet's Age, Breed, and SpeciesYour pet's age, breed, and species play a significant role in determining the insurance premiums. Generally, older pets may have higher premiums as they are more prone to health issues. Certain breeds or species may have known genetic conditions or predispositions, which can impact the cost of insurance.
Location and Local Veterinary CostsThe cost of veterinary care can vary depending on your location. Insurance providers typically consider the average veterinary costs in your area when calculating premiums. Areas with higher veterinary fees may have higher in
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