To find the best pet insurance for you, I conducted a detailed comparison and documented my experience. Below are my top 9 picks, which I hope will be helpful. If you have better suggestions or additions, please share them in the comments!
PetsBest 🐾
I’ve used PetsBest before, and their current quote is $22.19 with a $32.58 Wellness plan. They offer 90% reimbursement, a $200 deductible, and unlimited visits. However, the microchip reimbursement in the Wellness plan is a bit lackluster, since it’s not a one-time expense. However, they cover some dental cleanings, which is a good point.
ManyPets 🐾
ManyPets offers 80% reimbursement, a $250 deductible, and unlimited visits. Their Wellness plan is $25.74 with $24.99, with $150 per item reimbursed, and includes euthanasia. I think their Wellness plan is better than PetsBest’s because it doesn’t include the unnecessary microchip reimbursement.
Lemonade 🍋
Lemonade’s insurance reimbursement rate is 90%, with a maximum benefit limit of $100,000, plus a $250 deductible. Their Wellness plan doesn’t include dental cleanings, and dental illness and hospice coverage require additional costs. Their quote is $57.98, and the expensive Wellness plan is useless. Who needs an annual microchip?
MetLife 🏢
MetLife’s insurance only covers up to $100,000, plus a $250 deductible and a 90% reimbursement rate. Their Wellness plan is $42.95 and includes dental cleanings.
Spot 📍
Spot’s insurance includes an exam fee and hospice, with unlimited benefits. Their Wellness plan reimburses by category and doesn’t cover unnecessary microchips. The total price is $71.29 (90% + $250 + unlimited). While preconditions are not covered, they are reimbursed if you remain symptom-free for 180 days.
Pumpkin 🎃
Pumpkin’s insurance covers dental care and cleanings, but the Wellness plan offers minimal coverage, making it seem unnecessary. Their quote is $57.10, and the Wellness plan itself is $13.95.
Trupanion 🐶
The best thing about Trupanion’s insurance is that it’s often payable instantly, and the deductible is once per lifetime. Their quote is $45.41, making it ideal for pets prone to chronic conditions.
Embrace 🤝
I like Embrace’s Wellness plan because it has a lump sum limit. However, the exam fee is an additional purchase, so the total cost is $74.23.
Nationwide 🏠
Nationwide’s accident and illness plans are purchased separately, with an accident limit of $5,000 and an illness limit of $10,000. Their reimbursement rate is 80%, plus a $250 deductible. The Wellness plan can be purchased for $800, but it also includes some unnecessary coverage. The total cost is $57.89/month.
I hope this information is helpful! If you have other questions or need more advice, please feel free to ask!
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