Dog Insurance Reviews

22
Jul

Overview:

ASPCA Pet Health Insurance was developed in partnership with the Hartville group, one of the oldest and largest pet insurance providers in the US.  ASPCA insurance has four types of plans with increasing levels of coverage, and options to further customize to your budget by adjusting deductible and co-insurance options to meet your needs.  ASPCA plans reimburse 90% of usual and customary charges after a $100 annual per pet deductible.  The ASPCA plans are usable at any licensed veterinarian in the US or Canada, and provide for online monitoring of the status of your claim after submitting a relatively simple 1-page reimbursement form.  The company was founded in 1997 and currently provides coverage for more than 80,000 pets.  If you initiate coverage on 2 or more pets under the ASPCA pet insurance plans, you will be eligible for a 10% multi-pet discount.

Plan Structure:

The Basics:

ASPCA Pet Insurance offers 4 plan types with progressively more coverage options:  Level 1, 2, 3, and 4.  Every plan provides 90% reimbursement of usual and customary charges, and well as coverage for accidents and ongoing conditions after paying the $100 annual per-pet deductible.

Level 1:  The Level 1 plan has an incident limit of $2,500 and annual deductible choices of $100, $250, or $500 for coverage of ongoing conditions and accidents such as burns, broken bones, poison ingestion, swallowed objects, and more.

Level 2:  The Level 2 plan has an incident limit of $3,000 and provides coverage for ongoing conditions, accidents, and illnesses for coverage of treatments including X-ray, lab tests, prescription medication, surgeries, and hospitalization, which kicks in 30 days after initiation of a new insurance plan.

Level 3: The Level 3 plan has an incident limit of $5,000 and provides coverage for ongoing conditions, accidents, illnesses, hereditary and congenital coverage for conditions that are common for the breed or your dog specifically, alternative therapies including acupuncture, phsyiotherapy, chiropractic care, and low level laser therapy for eligible conditions , and behavioral treatments including lab testing, prescription medications, and consultations to treat behavioral issues.

Level 4:  The Level 4 plan has an incident limit of $7,000 and provides maximum coverage for items such as hereditary and congenital issues, alternative therapies, behavioral treatments.

APSCA also provides two wellness plans for coverage of normal veterinary expenses for coverage plans at Level 3 or Level 4.

The Routine Wellness plan costs $12/month for up to $280 in available benefits that cover items such as wellness exams, heartworm test or FELV screen, fecal screen, spay or neuter, rabies vaccine, canine DHLPP vaccine, microchipping, and wellness blood screening.

The Advanced Wellness plan costs $26/month for up to $530 in annual available benefits.  Coverage includes all of the items covered in the routine plan, along with coverage for canine bordetella vaccine, canine lyme disease vaccine, dental cleaning, and heartworm / flea medications.

Deductibles:

The ASPCA offers three tiers of deductible options to customize your plan.  These levels are at the $100, $250, or $500 rates.

Limits:

The ASPCA plans have increasing incident limits depending upon the level of plan that you choose.  Level 1 provides $2,500, Level 2 provides $3,000, Level 3 provides $5,000, and Level 4 provides $7,000.

Coverage Reimbursement

ASPCA plans provide 90% reimbursement of usual and customary covered charges, after the annual deductible limit has been met.

Exclusions:

ASPCA plans do not provide coverage for items including: inhumane treatments, such as elective procedures like tail docking, ear cropping, and claw removal.  Like most plans, pre-existing conditions which occurred before coverage began or during a waiting period are not covered unless they have been cured and treatment free for 180 days.  Dental conditions which are related to dental diseases, such as gingivitis, periodontal disease, or extractions of deciduous teeth are not covered.  Miscellaneous exclusions include the costs of breeding or pregnancy, travel expenses to/from a veterinary clinic, health certificates or vaccination tags, special diets or good, grooming or related supplies, experimental procedures, organ transplants, and homeopathic or herbal supplies.  ASPCA plans also exclude coverage for multiple surgical incidents of a foreign object injections during a 12-month period.  ASPCA uses industry data and proprietary data to determine usual and customary charges, and any costs that exceed this usual and customary standard are excluded from coverage.  Dogs who are 9 years old and great at initial enrollment are not eligible for the continuing care plans.

Cost:

As with all dog insurance plans, rates vary based on age, breed, and location of your dog. For an exact price quote for your own dog, please get a quote.

Example Quotes:

  • Anna – 2 year old Jack Russell Terrier from Los Angeles, CA – Level 1, $100 deductible – $15.96/month and at $500 deductible, $10.22/month
  • Anna – 2 year old Jack Russell Terrier from Los Angeles, CA – Level 2, $100 deductible – $29.27/month and at $500 deductible, $19.55/month
  • Anna – 2 year old Jack Russell Terrier from Los Angeles, CA – Level 3, $100 deductible – $39.06/month and at $500 deductible, $28.19/month
  • Anna – 2 year old Jack Russell Terrier from Los Angeles, CA – Level 4, $100 deductible – $59.05/month and at $500 deductible, $44.61/month
  • Wolfie – 6 year old Siberian Husky from Orange Country, CA – Level 1, $100 deductible – $15.96/month
  • Wolfie – 6 year old Siberian Husky from Orange Country, CA – Level 2, $100 deductible – $40.66/month
  • Wolfie – 6 year old Siberian Husky from Orange Country, CA – Level 3, $100 deductible – $54.26/month
  • Wolfie – 6 year old Siberian Husky from Orange Country, CA – Level 4, $100 deductible – $82.01/month

Customer Service:

ASPCA customer service is available via phone Monday-Friday 8am to 9pm, and Saturday from 9am to 5pm.  In addition, members can login to a secure application which allows you to track the status of submitted claims.

Category : Dog Insurance Reviews | Blog
13
Jun

Overview:

Hartville Pet Health Insurance was founded in 1997 in Canton, Ohio.  The company is known for relatively simple to understand pet insurance plans and filing forms, a low deductible, and as the strategic partner of the ASPCA, the nation’s leading voice for animal welfare.  Hartville insurance plans are underwritten by the United States Fire Insurance Company, which is rated A by A.M. Best.

 

Plan Structure:

The Basics:

Hartville Pet Insurance offers a relatively simple menu of options for enrolling in their insurance plans.  Typically, Hartville will cover 90% of usual and customary charges from a submitted vet bill, including the vet examination fee which is usually excluded by other insurance providers.  There is a standard $100 annual deductable; after this threshold is met, additional claims are covered at the  90% level.  In addition, Hartville allows for plan customization based on your preferred deductible and co-insurance levels.  All pets over 8 weeks of age are eligible for accident coverage, and Hartville offers a 30-day money back guarantee for newly enrolled pets provided that no claims are covered during this time frame.  Hartville also offers a 10% discount for multi-pet insurance plans.  Reimbursement is managed through a simple, 1-page form that must be filled out and submitted to Hartville.

Deductables:

Hartville offers a standard annual deductible of $100.  There are no per-incident deductibles.  Ask Hartville for additional deductible options.

Coverage:

Hartville plans offer coverage of 90% of usual and customary expenses after the annual deductible limit has been met.  Additional coverage options may be available, ask Hartville directly for more options.

Customer Service:

Hartville offers customer service through a 1-800 number (800-799-5852).  The website also has a member center, which allows enrolled pet owners to access information about recent claims, including payment and submission information, details about your pet insurance plan, and easy access to update customer and billing information.

Example Quotes

  • Bella – 4 year old Dachshund, Los Angeles, CA – Emergency Only, 10% deductible, $100 deductible – $16/month
  • Bella – 4 year old Dachshund, Los Angeles, CA – Level 2 (emergency and illness), $100 deductible – $35/month
  • Bella – 4 year old Dachshund, Los Angeles, CA – Level 3 (emergency and illness – higher limit), $100 deductible – $46/month
Category : Dog Insurance Reviews | Blog
6
Jun

Overview:

PetFirst was founded in 2004 by Lansdon Robbins and A. Brent Hinton, and is headquartered in Jeffersonville, Indiana.  PetFirst is known for simple, easy to understand coverage plans with monthly or annual premiums which are unaffected by the age, breed, or physical location of your dog.  PetFirst offers insurance in all 50 states, and most plans provide customized options to meet the specific coverage and financial needs that you may have.

Plan Structure:

The Basics:

PetFirst offers 5 plan options to cover accidents, illnesses, and other benefits for your canine companion.

Accident Only:  The accident only plan provides coverage of $3,000 for accident and illness, a $3,000 per incident limit, and a $50 deductible with 100% reimbursement for pets of all ages.

Senior:  The Senior plan provides coverage of $2,000 for accident and illness, a $2,000 per incident limit, and coverage up to $125 for routine care.  You annual deductible will be $100 with reimbursement rates of 80%, and the senior plan covers dogs of 10 years and older.

Basic: The PetsFirst Basic plan provides coverage of $7,500 for accident and illness, a $1,500 per incident limit, and has a $125 limit for routine care and a $100 deductible.  Reimbursement levels are 90%, and the basic plan is available for dogs aged 8 weeks to 9 years old.  The Basic plan also provides coverage of up to $300 for advertising and reward in the event your dog is lost, and kennel and boarding fees of up to $300 in the event that you are hospitalized for more than 96 hours.

Preferred:  The Preferred plan provides great coverage than the basic plan.  Accident and Illness coverage limits are $12,000, with per-incident limit of $2,500.  Routine care limits are $250, with similar deductible limits and reimbursement rates as the Basic plan, namely $100 and 90%.  In addition, the preferred plan provides coverage for advertising and rewards, kennel and boarding fees in the event you are hospitalized for more than 96 hours, loss by theft or straying, and trip cancellation in the event that your pet has surgery within 7 days of a planned vacation that needs to be cancelled.

Preferred Plus:  The Preferred Plus plan is the most comprehensive plan offers by PetFirst.  This plan provides coverage of $15,000 for accident and illness, a per-incident limit of $3,500, and routine care limit of $400.  The annual deductible and reimbursement rates are $100 and 90% respectively, and like the Basic plan, the Preferred Plus plan is available for dogs aged 8 weeks to 9 years.

Deductibles:

Deductibles range from $50 for the accident only plan, to $100 for the Senior, Basic, Preferred, and Preferred Plus plans.  In addition to these standard deductibles, additional deductible options may be available in customized plans.

Limits:  PetFirst offers a range of limits, from $2,000 per year for Seniors to $15,000 under the Preferred Plus plan.  In addition, PetFirst has per incident limits which range from $1,500 to $3,500 depending upon the plan you choose.  Additional per incident limits may be available in customized plans for your dog.

Coverage Reimbursement

Coverage on PetFirst dog insurance plans ranges from 80%, 90%, to 100%.  Additional coverage options may be available for a customized insurance plan.

Exclusions:

As with most dog insurance providers, PetFirst does not cover pre-existing conditions.  In addition, the follow conditions are not covered:  elective procedures and cosmetic surgeries including but not limited to tail docking, dewclaws, skin folds, nail trims, ear cropping, expression or removal of anal glands or anal sacculitis, breeding conditions or conditions related to breeding (although this can be amended with a breeder-specific rider), special diets, pet foods, vitamins, mineral supplements, grooming costs and bathing (which also may be eligible for coverage with the prescription food rider), orthodonitics, endodontics, and removal of deciduous teeth, diagnostic tests and treatments for conditions excluded or limited by the policy and complications of conditions excluded or limited by the policy, treatment of external parasites such as fleas, lice, ticks, and preventable internal parasites such as heartworms, hookworms, roundworms, tapeworms, and whipworms, time and travel expenses to the veterinarian’s office or hosptial, injuries or illness which arises from racing, coursing, commercial guarding or organized fighting of your dog, congenital or hereditary defects or diseases (which may be covered with a specific rider), continuous coverage of chronic and long term conditions that manifest in a previous policy year (also may be covered by a specific rider), behavioral problem training or therapy (rider exclusions may apply), routine exams, tests, screens, vaccines, teeth cleaning and polishing (may be covered under higher level plans), preventative treatments and diagnostics for preventable parasites including heartworm (may be covered under higher level plans), spaying and / or neutering (may be covered under higher level plans), diagnosis, medical management, or surgical correction of cruciate ligament damage or rupture to ACL, MCL, PCL, or CCL, interverterbal discs during the first 6 calendar month in which you policy is in effect, treatment of periodontal disease, treatment of foreign body ingestion occurring more than once per policy period, and diagnosis, medical management, or surgical correction of patella luxation or hip displaysia.  Please review your specific policy quote for an exact list of exclusions that apply to your plan.

Cost:

Monthly premiums range from around $15-$18 for Accident Only plans, from $65-$75 for Senior plans, $35-$45 for Basic plans, $45-$55 for Preferred plans, and from $65-$75 for Preferred Plus plans.

Example Quotes

  • Prince – 6 year old Siberian Husky, Los Angeles, CA – Accident Only – $16.95/month
  • Prince – 6 year old Siberian Husky, Los Angeles, CA – Basic Plan – $38.95/month
  • Prince – 6 year old Siberian Husky, Los Angeles, CA – Preferred Plan – $50.95/month
  • Prince – 6 year old Siberian Husky, Los Angeles, CA – Preferred Plus Plan – $68.95/month
  • Bob – 11 year old Siberian Husky, Los Angeles, CA – Senior Coverage – $70.95/month

These quote options were generated in early June 2012. For an exact price quote for your own dog, please get a quote.

Customer Service:

PetFirst offers customer service via phone and email and has a relatively simple claims submission process.

Category : Dog Insurance Reviews | Blog
4
Jun

Overview:

PurinaCare pet health insurance is a wholly owned subsidiary of Nestle Purina PetCare Company, and has been in business since spring 2008.  PurinaCare is guided by the principles of being simple, trusted, and comprehensive.  Many dog owners will already be familiar with the Purina brand, which has been associated with pet owners for more than 85 years.  The design of the insurance plans offered is meant to be quick, intuitive, and easy to select a plan and receive reimbursement.  PurinaCare is simple in that it offers a single, yearly deductible and two easy to understand plans.  PurinaCare insurance is underwritten by Central States Indemnity, a Berkshire Hathaway company with an A+ rating from A.M. Best in 2011.

With an easy to understand set of options, reasonable pricing, and backing from Purina, a highly trusted pet brand name, and Warren Buffet, the Chairman of Berkshire Hathaway and trusted business leader, PurinaCare is an outstanding insurance option for your treasured canine companion.

Plan Structure:

The Basics:

PurinaCare offers three easy to understand insurance options for your dog.  Each plan has an annual policy limit of $20,000 in coverage, but no lifetime limits.  PurinaCare also offers a 14 day money back guarantee, provided that no claims have been filed during this time.  You are also able to cancel your policy at any time by giving written notification.  There is no waiting period for coverage; your place will begin at 12:01 am on the effective date of your new policy for preventive care, and at 12:01 am on the 3rd day following the effective date for accidents, and at 12:01am on the 15th day following the effective date for illnesses.

PurinaCare without Preventive Care:  The PurinaCare without Preventive Care plan provides coverage for illness, injuries and accidents, hospitalization, surgery, hereditary conditions, diagnostics, and prescription medications.  You can sign up for Plus Preventive Care here.

PurinaCare Plus Preventive Care:  In addition to coverage provided by the PurinaCare without Preventive Care plan, the Plus plan also provides coverage for vaccinations, annual exams, dental scaling and polishing, spaying or neutering, and heartworm and flea control preventatives.  The Plus plan also has maximum amounts claimable (after annual deductible and co-insurance) for items such as annual adult vaccinations, fecal analysis, preventive care blood panels, urinalysis, heartworm testing, dental scaling/polishing, heartworm preventive medication, flea control medication, puppy vaccine series, neuter/spaying, and microchip implants.  You can sign up for Plus Preventive Care here.

PurinaCare Accident Only: The Accident Only plan provides coverage for injuries and accidents.  If associated with a qualifying eligible accident or injury, the Accident Only plan may also cover hospitalization, surgery, diagnostics, and prescription medications.  You can sign up for Plus Preventive Care here.

Deductibles:

PurinaCare offers you a choice of annual deductible levels, from $100 (for the Accident Only plan only), $250, $500, and $1,000.  As with all insurance, the lower the deductible you choose, the less you will pay out of pocket before your insurance benefits kick in, but in return you will likely pay a higher per-month rate for coverage.

Limits:

Unlike many dog insurance providers, PurinaCare has a simple annual limit of $20,000 and no lifetime limits.  There are maximum amounts claimable for the PurinaCare Plus Preventive Plan, please see above for a list of benefits which has these annual limits.

Coverage Reimbursement

Coverage on PurinaCare plans ranges from 60%, 70%, or 80%.  The Accident Only plan has more limited coverage options with only the 80% coverage option available.

Exclusions:

Like most dog insurance providers, PurinaCare does not provide insurance coverage for pre-existing conditions.  Additional items that are excluded under PurinaCare brands include, but are not limited to: breeding, fertility, and pregnancy, boarding, alternative care unless prescribed and performed by a licensed veterinarian in a clinical setting, cosmetic and elective procedures, training costs, any pet foods for any reason, accidents or injuries intentionally inflicted or caused by the policy holder, dogs less than 8 weeks old, grooming, bathing, or dipping, all nutritional supplements, and preventable conditions except in certain circumstances under direct recommendations from your veterinarian.

Cost:

Monthly premiums range from around $10-$15 for the Accident Only plan, to around $50-$65 for the Accident and Illness plan, to around $65-$80 for the Preventive Plus plan.   Actual pricing varies by state, breed, age, co-insurance level, and deductible, please visit PurinaCare for a direct quote.

Discounts available from PurinaCare currently include:  5% off for coverage of 2 pets, and 10% off for coverage of 3 or more pets.

Example Quotes (at 20% co-insurance rate)

  • Lily – 5 year old Dachshund, New York, NY – Accident Only – $12.50/month
  • Lily – 5 year old Dachshund, New York, NY – Without Preventative Care – $250 deductible – $63/month
  • Lily – 5 year old Dachshund, New York, NY – PurinaCare Plus – $250 deductible – $81/month

These quote options were generated in early June 2012. As with all dog insurance plans, rates vary based on age, breed, co-insurance options, deductible levels, and location of your dog. For an exact price quote for your own dog, please get a quote.

Customer Service:

PurinaCare offers customer service via phone and email and strives to respond to inquiries within 2 days.  In addition, PurinaCare offers online claim form submissions.

Category : Dog Insurance Reviews | Blog
3
Jun

Overview:

Embrace Pet Insurance has been in operation since 2005 and provides a variety of veterinary insurance plan options for dogs.  Like many insurance carriers, Embrace allows policy holders to use any vet and does not operate on a network system.  Embrace is known for outstanding customer service, some coverage of genetic conditions, lifelong protection, flexible plan options and pricing, and a 30-day money back guarantee for new policy holders.  Embrace Pet Insurance is underwritten by the RLI Insurance Company, which was A+ rated by A.M. best in 2011.  Overall, Embrace is a great insurance option for your loved dog as they provide reasonable pricing for comprehensive insurance coverage.

Plan Structure:

The Basics:

Embrace Pet Insurance provides a single, simple, comprehensive plan to cover your dog’s insurance needs.   You can customize many parts of the plan to meet your coverage and financial requirements, including your annual deductibles, annual maximum coverage limits, reimbursement rates, and prescription drug coverage.  Accidents and illnesses that are covered include: breed-specific conditions, cancer treatment, diagnostic testing and imaging (including ultrasound, MRI, and X-ray), surgery, hospitalization, nursing care, alternative therapies and rehabilitation, emergency room and specialist care, vet exam fees, and optional prescription drug coverage.  In addition, you may choose to add on additional optional plans to cover wellness (like annual check-ups, spay/neuter procedures, heartworm medications, and vaccines), and/or a dental plan to cover routine teeth cleaning, checkups, and treatment of dental illnesses.

While Embrace insurance plans provide coverage for life, you will need to enroll your dog while they are still relatively young in order to be eligible for initiating coverage.  Mix breed dogs, including hybrids, must be enrolled at aged 8 or younger, and purebred dogs must be enrolled at age 6 or younger.  In addition, your dog must not have been diagnosed with or shown symptoms of diabetes, Cushing’s disease, or FeLV/FIV.  If you dog falls outside of these guidelines, they may be eligible for an accident only coverage plan.  Provided that your dog qualifies, there are eligible for coverage for life, and your rates do not increase if and when you file a claim.

Deductibles:

Embrace offers you the ability to choose your annual deductible limits.  As with all insurance, higher deductibles will mean a lower monthly insurance cost, but more initial money out of pocket for treatment of an accident or illness.  Deductibles range from $100, $200, $300, $500, or $1,000 per year.

Limits:

Embrace offers 3 tiers of annual maximum limits: $5,000, $10,000, or $15,000 per year.  Lower maximum limits will likely mean a lower monthly insurance cost, but in the event that medical expenses exceed this limit in a given year, you will be responsible for additional costs above that coverage limit.

Coverage Reimbursement

Coverage on Embrace plans ranges from 65%, 80%, or 90%.

Exclusions:

Embrace Pet Insurance divides pre-existing conditions that your dog may have into two categories: conditions that Embrace considers curable, and conditions that embrace considers to be incurable.  Curable conditions that have a related recurrence are excluded from coverage for 12 months from the date of the last episode.  These conditions include respiratory infections, urinary tact and bladder infections, vomiting, diarrhea, and other gastrointestinal disorders, and other curable conditions.  It is still at Embrace’s discretion to reinstate coverage for these conditions.

Pre-existing conditions that Embrace considers incurable are permanently excluded from coverage.  These conditions include: any orthopedic condition including but not limited to luxating patellas, hip dysplasia, elbow dysplasia, and OCD, allergies, cancer, diabetes, hyperthyroidism, lipomas or skin lumps, orthopedic illness or injury on the opposite side of a prior injury, urinary or bladder crystals or blockages, and other chronic conditions.

Other conditions which are excluded from coverage include: breeding, whelping, pregnancy, prosthetic limbs and devices including mobility aids, non-medical treatment for behavioral issues, cremation burial, injury caused deliberately by you or any other person or pet residing in your home, DNA testing or cloning, organ transplants, injury or illness resulting from fighting, racing, cruelty, or neglect, cosmetic procedures such as tail docking, ear cropping, and dew claw removal, stem-cell treatments, avian flu, and of course, nuclear war.

Cost:

Monthly premiums range from around $10-$11 for the Complete plan, to around $16-$17 for the Intro plan, to around $35-$95 for the Optimum, Complete, and Gold plans.   Actual pricing varies by state.

Discounts available from Embrace currently include:  5% off for spayed/neutered pets, 5% discount for multi-pet plans with 2 or more pets on a policy, 5% discount for payment annually in full, 5% discount for pet parents or spouse who actively serves in the Air Force, Army, Marines, Navy, or Coast Guard, and 5% of for pets who have been PennHIP tested with a score of 0.3 or lower.  Additional discounts may apply as part of your employee benefit package or if you are staff at a veterinary hospital.

Example Quotes (at 90% deductible)

  • Lucille – 6 year old beagle, Los Angeles, CA – Budget Plan – $500 deductible, 90% Reimbursement rate – $25-27/month
  • Lucille – 6 year old beagle, Los Angeles, CA – Everyday Plan – $200 deductible, 90% Reimbursement rate – $55/month
  • Lucille – 6 year old beagle, Los Angeles, CA – Select Plan (incl. wellness) – $200 deductible, 90% Reimbursement rate – $65-70/month

As with all dog insurance plans, rates vary based on age, breed, and location of your dog. For an exact price quote for your own dog, please get a quote.

Customer Service:

Embrace Pet Insurance has an outstanding customer service team.  There are options for email, chat, and phone communication, claim turnaround time is very short at 10-15 business days, and pet parents can expect responses to questions within 1 business day.

Category : Dog Insurance Reviews | Blog
29
May

Overview:

24PetWatch is the pet insurance company owned and operated by Pethealth Inc, a leading provider of accident and illness insurance for dogs.  24PetWatch’s underwriter is Praetorian Financial Group, which received an A+ rating from Standard and Poor’s IFSR in 2011.

24PetWatch offers several plan options under the “QuickCare” insurance plan, which have fairly straightforward options for coverage, deductibles, and payment shares.  Like most pet insurance companies, plans vary in price based on location, age, and breed.  Overall, the company has a solid range of plan options to choose from but it would be wise to fully consider the fine print, maximum coverage limits, and annual pricing before making a final decision.

Plan Structure:

The Basics:

The QuickCare program is the featured dog insurance product for 24PetWatch.  There are 5 plans available – QuickCare, then plans for Intro, Optimum, Complete, and Gold.  Each plan offers varying levels of accident and illness coverage, reimbursement amounts, and pricing.

Accident Only:  The Accident Only QuickCare plan provides 100% benefits (after a $50 deductable) for a variety of accidents including foreign body ingestion, motor vehicle accident, bone fractures, poison ingestion, lacerations, burns, allergic reaction to insect bites, and accidental death.  Each accident has a per-incident maximum coverage amount.  This plan carries the least expensive monthly premiums.

Intro:  The QuickCare Intro plan is available to dog aged 8 weeks to 6 years and provides 100% coverage (after a $100 deductable) for a variety of illnesses.  In addition to those mentioned in the Accident Only plan, the Intro plan covers first-time illnesses (maximum of 2 per year), and recovery costs for advertising for a missing dog.

Optimum:  The Optimum plan provides 90% coverage (after a $100 deductable for illness and accident benefits) for all of the conditions covered by the Intro plan mentioned above.  The Optimum plan also coverage annual wellness costs up to $150 for vaccinations, physical exam, heartworm testing, teeth cleaning, and spay/neutering.

Complete:  The Complete QuickCare plan provides for 70% coverage (after a $100 deductible for accident and illness benefits), along with annual wellness, boarding kennel fees in the case of your hospitalization for more than 48 hours, accidental death, recovery, and euthanasia.  In addition, the coverage amounts are quite a bit higher in the Complete plan than in similar, lower cost plan options.

Gold:  The QuickCare Gold plan provides coverage at 70% or 90% levels (after a $100 deductible for accident and illness benefits) for all of the conditions offered in the Complete plan, only with higher coverage amounts.  The Gold plan provides the finest protection for your dog that 24PetWatch offers.

Other:  QuickCare also provides plans for Senior dogs, Emergency Care, and for rental tenants.  Actual coverage and pricing may vary, so please get a direct quote to determine your specific needs.

Deductibles:

24PetWatch provides deductible levels of $50 or $100 for Accident and Illness benefits, depending upon the level of plan that you choose.  In addition, for most “additional benefit” options there is a $0 deductible.

Limits:

24PetWatch has coverage limits for almost every cost category.  Many coverage limits are per incident limits, but some plans also offer per category, annual or lifetime limits as well.  This is an area of 24PetWatch’s plan options that bears further research, as it may be easy to reach the limits on certain types of benefits where costs add up quickly.  If your coverage ends but there are still costs associated with a particular illness, you may need to bear additional out of pocket costs.

Coverage

Coverage on 24PetWatch plans ranges from 70%, 90%, or 100%.

Exclusions:

24PetWatch excludes preventative and elective treatments, excluded accidents or procedures, behavioral problems, financial euthanasia, pre-existing conditions, aids, mistreatment, earthquake, and many other exclusions, which can be found and should be read carefully in the terms of your particular policy quote.

Cost:

Monthly premiums range from around $10-$11 for the Complete plan, to around $16-$17 for the Intro plan, to around $35-$95 for the Optimum, Complete, and Gold plans.   Actual pricing varies by state.  Discounts may apply for multiple pets, microchipping, group benefits discounts, and more.

Example Quotes

  • Moose – 6 year old Labrador Retriever, Jackson, MS – Quickcare plan – $10.95/month
  • Moose – 6 year old Labrador Retriever, Jackson, MS – Quickcare Gold plan (70% coverage) – $34.95/month
  • Moose – 6 year old Labrador Retriever, Jackson, MS – Quickcare Gold plan (90% coverage and Double Illness max coverage limits) – $73.90/month

This quote was generated in late May 2012. As with all dog insurance plans, rates vary based on age, breed, and location of your dog. For an exact price quote for your own dog, please get a quote.

Customer Service:

24PetWatch has an 800 number, email, and online submission forms for 24/7 access to some form of customer service.

Category : Dog Insurance Reviews | Blog
16
May

Pet Assure is not pet insurance. It’s a simple, easy to understand alternative to traditional dog insurance.  You pay an annual fee of $99 per year in order to receive 25% off all medical procedures performed by a pre-screened set of vets and veterinary practices.  This plan is perfect for people who want a really simple plan to use and who want to avoid the hassle of filling out claim forms, waiting for reimbursement checks to arrive, and potentially dealing with denied claims.  If you already use a veterinary clinic that is part of the Pet Assure network, and you think you will typically spend about $400 a year or more in vet bills, then this plan will save you money and hassle.

Pet Assure was started in 1995 when a young couple had a claim denied by their pet insurance company because the condition was inherent to their breed of dog.  The company’s service is much simpler than traditional pet insurance, in that your discount is applied at the time of service.  If you use a vet who is approved by Pet Assure, your bill will be 25% less than the retail cost.  There are no exclusions.  This means every pet is covered, every medical service is covered, there are no annual limits or deductibles, and pre-existing or older pets are welcome to receive the full benefits of Pet Assure.  Currently, more than 150,000 US pet families are using Pet Assure, and the company offers a 45 day risk free program which will provide a refund if you cancel within 45 days.

Plans/Cost:

Single Dog Plan:  The single dog plan is designed for dogs, horses, or other large animals.  This plan provides 25% off all medical services, up to 50% off on pet products and services from the Pet Assure merchant network, and lost pet recovery service with 24/7 monitoring.  Price for the plan is $9.95/month or $99/year.  The monthly plan charges a $10 processing fee, but the annual plan does not charge a processing fee and provides a savings from the per-month rate.  Sign up for this plan

Single Cat Plan:  The single cat plan is designed for cats, rodents, reptiles, or other small animals.  The single cat plan provides for 25% off all medical services, up to 50% off on pet products and services from the Pet Assure merchant network, and lost pet recovery service with 24/7 monitoring.  This plan costs $7.95/month (with a $10 processing fee) or $79/year.  Sign up for this plan

Family Plan:  For the true dog and animal lovers, Pet Assure offers a family plan for 4 pets of any kind.  This plan also provides 25% off of all medical services, up to 50% off of pet products and services from the Pet Assure merchant network, and lost pet recovery service with 24/7 monitoring.  The price for this plan is $13.95/month (with a $10 processing fee) or $149/year, without a processing fee. Sign up for this plan

Pet Assure is a great, simple alternative to traditional pet insurance plans.  The main thing to keep in mind is whether or not your vet is already a part of the Pet Assure network.  If your current vet is already a part of the network, then cost and simplicity is the only decision, as compared to traditional dog insurance.  If your vet is not already part of the network, then you can try to refer your vet to Pet Assure.  This gives you an entry into a weekly drawing which could win you coverage of your entire vet bill, up to $250.  Or, alternatively you may need to find a new vet who is close by and who is a part of the Pet Assure network.  In this case, do your homework and make sure that your new vet is trusted and that you and your pup feel comfortable with the new vet and office.  If you’re like us, once you become attached to a vet, it can be very hard to switch!

Click here to visit Pet Assure.

 

Category : Dog Insurance Reviews | Blog
14
May

Overview:

Petplan was founded by Chris and Natasha Ashton in 2006.  This enterprising couple decided to start the company when they encountered a $5,000 veterinary bill for their beloved cat Bodey.  Petplan is headquartered in Philadelphia and is a sister company to Petplan UK, a company with more than 35 years of experience in pet insurance.  Petplan is licensed in all 50 states and is the preferred pet insurance provider for the Humane Society and the North Shore Animal League.  The company is backed by AGCS Marine Insurance Company, which is part of the Allianz Group, a huge property and casualty insurer.

Petplan is unique in the industry for providing coverage of hereditary and congenital conditions, a rarity in pet insurance.  The company offers lifetime coverage, provided that your policy is renewed every year without a break in coverage, so that even in old age your pet will be covered.  Petplan also boast fast turnaround of claims, as 95% of all claims are processed within 5 days of submitting a completed claim.  Overall, Petplan is a great choice for insuring your dog.

Plan Structure:

The Basics:

Petplan has a very simple to understand design of dog insurance plans.  There are Bronze, Silver, and Gold plan options, which you can further customize by selecting deductible limits and reimbursement levels.  All Peplan policies provide coverage of congenital, heredity, and chronic conditions, in addition to treatments recommended by vets such as prescription medication, diagnostic testing, veterinary exams, MRI, CAT scan, ultrasound imaging, non-routine dental treatment, alternative and holistic therapies, surgery, hydrotherapy, and specialist treatment.

Bronze:  The Bronze plan provide coverage of up to $8,000 for veterinary fees.

Silver:  The Silver plan provides veterinary fee coverage of up to $12,000, along with boarding kennel fees, advertising and reward reimbursement, and loss due to theft or straying, of up to $250 per incident.

Gold:  The Gold plan provides veterinary fee coverage of up to $20,000, coverage of additional items in the Silver plan but at limits of $500, and provides $1,000 coverage for death from illness or injury as well as vacation cancellation.

Deductibles:

Petplan provides your choices of deductibles from $50, $100, or $200 levels.

Limits:

Petplan has a very simple limit policy, which varies by the level of plan that you choose.  The Bronze plan has coverage limits of $8,000, the Silver plan has coverage limits of $12,000, and the Gold plan has coverage limits of $20,000.

Coverage

Coverage on Petplan insurance plans range from 100%, 90%, or 80% of reimbursement costs.

Exclusions:

Petplan does not cover pre-existing conditions.  Please consult your policy quote directly for a full list of uncovered conditions and treatments.



Screenshot above: Plan comparison chart from Petplan website

Cost:

Petplan offers a variety of discount options for things such as applying online, micro-chipping your pet, multiple pet discounts, veterans and active military members, medical service dogs, veterinary professionals, employee benefits, and strategic partners.  You are eligible for up to a maximum of 15% off of your plan (or 20% for veterinary professionals), but with the wide selection of options available it should be straightforward to receive at least some level of discount on your plan.

Example Quotes (at 90% deductible)

  • Sparky – 4 year old Golden Retriever, Los Angeles, CA – Silver Plan – $100 deductible – $49/month
  • Sparky – 4 year old Golden Retriever, Los Angeles, CA – Bronze Plan – $100 deductible – $53/month
  • Sparky – 4 year old Golden Retriever, Los Angeles, CA – Gold Plan – $100 deductible – $58/month
  • Sparky – 4 year old Golden Retriever, Los Angeles, CA – Gold Plan – $200 deductible – $35/month
  • Sparky – 4 year old Golden Retriever, Los Angeles, CA – Gold Plan – $200 deductible – $38/month
  • Teddy – 4 year old Beagle Mix, Los Angeles, CA – Silver Plan – $100 deductible – $23/month
  • Teddy – 4 year old Beagle Mix, Los Angeles, CA – Bronze Plan – $100 deductible – $25/month
  • Teddy – 4 year old Beagle Mix, Los Angeles, CA – Gold Plan – $100 deductible – $27/month

As with all dog insurance plans, rates vary based on age, breed, and location of your dog.  For an exact price quote for your own dog, please get a quote.

Customer Service:

Petplan policies come with a 30-day money back guarantee, provided that you have not already submitted a claim.  Petplan has award winning customer service and easy access to help via email, fax, phone, and online chat.

Category : Dog Insurance Reviews | Blog
12
May

Overview:

PetPartners has been the exclusive provider of pet health insurance protection for the American Kennel Club since 2003, through the brand name AKC Pet Healthcare Plans.  The company’s history has roots in Great Britian, where John Spurling developed pet healthcare insurance exclusively for the Kennel Club of Great Britain before launching PetPartners in the UK and the US.  Since PetPartners is closely associated with the AKC, they offer a free 60-day trial for newly registered pets.  Highlights of PetPartners include availability in all 50 states, a quick, 15-day claim to reimbursement period, award winning customer service and support, and a variety of plan options to choose from.

PetPartners insurance plans are underwritten by Markel Insurance Corporation, a top 50 insurance provider with an A rating and more than $1 billion in surplus.  While the structure of the plans provided by PetPartners is straightforward and easy to understand, we do find the pricing to be slightly high, relative to the coverage options and per-policy and per-limit thresholds, so we would recommend considering carefully the range of health outcomes you expect your dog to encounter before selecting the right plan from PetPartners.

Plan Structure:

The Basics:

PetPartners offers 5 simple to understand plan options designed to give you the coverage you need, at the price point that makes sense for you.  Dog are eligible for coverage after 8 weeks of age and before 9 years of age.  All breeds are eligible, included mixed breed, purebred, unregistered, and registered.  There is typically a 30 day holding period for illnesses, while coverage starts on day 1 for accidents.

Essential:  The Essential plan is a good starter option which will cover illness and accidents.  Typical covered treatments include Veterinary treatment and surgical procedures, prescription medication, hospitalization, cancer coverage, X-rays, CT scans, and MRIs, diagnostic and lab tests, and specialist and emergency care visits.  There is an $11,00 maximum coverage per policy, with a $1,500 limit per incident. Co-insurance is 10% and there is a $125 per incident deductible.

Essential Plus:  The Essential Plus plan provides slightly more comprehensive coverage for your dog than the Essential plan.   The key difference is a higher per-incident limit of $3,000, rather than $1,500, and co-insurance of 20% rather than 10%.

Wellness:  The Wellness plan provides coverage for both unexpected issues like accident and illness, as well as for the majority of preventative care costs such as vaccinations, annual dental cleaning, flea and tick prevention, and heartworm controls.  Once you have met the annual deductible of $125, 80% of eligible expenses are covered.  Preventative coverage includes your dog’s annual physical exam, annual dental cleaning, vaccination and booster shots, flea and tick control, heartworm testing and prevention, and de-worming and fecal exams.  The policy limits are also higher than the Essential plan – $13,000 per policy and $5,000 per incident, with a $125 annual deductible and 20% co-insurance coverage.

Wellness Plus:  The Wellness Plus plan provides the same benefits as the Wellness plan, with additional coverage for spaying or neutering your pet and coverage of boarding or a pet sitter if you are hospitalized for more than 48 hours.  This plan provides the most comprehensive coverage of any of plans offered by PetPartners.

Accident Plus:  The Accident Plus plan provides coverage for the unexpected injuries that can happen.  Accidents that are eligible for coverage include bit wounds, cuts, foreign body ingestion surgery, bone fractures, car accidents, poison ingestion, burns, insect or snake bites, accidental choking, and head trauma.  Limits are $8,000 per policy and $2,00 per incident, with a $75 per incident deductible and 10% co-insurance.  Coverage starts on day 1 for these types of accidents.

Deductibles:

PetPartners provides deductible levels typically at the $75 (for the Accident Plus plan) and $125 for the Wellness and Essential plan lines.  Ask for specific deductibles that might better meet your needs.

Limits:

PetPartners has limits on both a per-policy, and per-incident basis, for most of the insurance plans that they offer.  Pay attention to these two tiers of limits, because it does cap the payments that will be reimbursed to you depending on the health of your dog.  Per-incident limits range from $1,500, $3,000, and $5,000, and per-policy limits range from $8,000, $11,000, and $13,000.

Coverage

Coverage on PetPartners plans ranges from 80% to 90% of eligible expenses after the deductible limits have been reached.


Screenshot above: Plan Comparison from the AKC Pet Healthcare website

Exclusions:

There are several exclusions for PetPartners health plans, please review your actual policy carefully to understand these in full.  Some conditions which are excluded include: Dogs under the age of 8 weeks and over 9 years of age.  Pre-existing conditions such as disease, illness, or injury which occurred prior to the original effective date of the policy.  Illnesses that occur or show symptoms within the first 30 days of your policy.  ACL is considered a bi-lateral condition and only one is covered during the life of your dog.  Costs associated with breeding, pregnancy, and birth.  Elective treatments in a variety of areas, grooming and nail clipping, food, vitamins, and nutritional supplements, and alternative medications such as acupuncture, chiropractice, herbal, or homeopathic treatments.  Congenital or inherited conditions, eye conditions, hip dysplasia, obesity, and several other congenital treatments are not covered.  This is not meant to be an exhaustive list of exclusions, please consult your policy quote directly for detailed and up to date information.

Cost:

PetPartners rates range with the age, breed, and location of your dog.  As a rough range of prices, for Accident plus plans you can expect a range of about $15-$25 per month, for Essential plans a range of about $25-$50 per month, and for Wellness plans a range of $75-$120 per month. For an exact price quote for your own dog, please get a quote.

Example Quotes

  • Chichi – 2 year old Golden Retriever, Miami, FL – $75 deductible – Accident Only coverage – $24/month
  • Chichi – 2 year old Golden Retriever, Miami, FL – $125 deductible – Essential Plan (Accident plus illness) coverage – $40/month
  • Roscoe – 4 year old French Bulldog, Miami, FL – $75 deductible – Accident Only coverage – $23/month
  • Roscoe – 4 year old French Bulldog, Miami, FL – $125 deductible – Essential Plan (Accident plus illness) coverage – $38/month

Customer Service:

AKC Pet Insurance provided by PetPartners is rated highly for customer service.  There are resources for phone support during specified hours Mon-Sat, fax, and email support.  You can sign up for a plan 24/7, 365 days a year.  The website  is easy to navigate and provides a clear comparison of plan pricing and coverage options when submitting information for a qoute.  Overall, PetPartners receives high marks for customer service and claim reimbursement. They also offer a 30 day money back guarantee for customers who have not filed claims.

Category : Dog Insurance Reviews | Blog
5
May

Overview:

Healthy Paws was founded by two animal shelter volunteer/workers who wanted to help pet parents take better care of their pets. In additional, the company also funds a foundation that helps homeless pets. Healthy Paws is consistently highly rated by customers for their customer service and claim payouts. They service existing clients via email and it’s very easy to add additional furry family members to your plan. They increased premiums slightly in order to continue to provide high levels of coverage to customers.

Since Healthy Paws is one of the newest members of the pet insurance world, they have go above and beyond to provide peace of mind to pet parents by starting a strategic partnership with Aon Corporation, the world’s largest global insurance broker ($30 billion in assets) and having their plan underwritten by the Markel Corporation, which is an A-rated insurer ($1 billion in surplus). We find Healthy Paws to be a great dog insurance option for those that want an easy to understand plan with little exclusions and quick payouts.

Plan Structure:

The Basics:

The Healthy Paws has one simple plan, which reimburses 70%, 80% or 90% of actual veterinary costs (not customary fees as per a fee schedule) for approved accident and illness claims, and has no payout limits if your pet becomes sick or injured.  It covers unexpected illnesses and emergencies, but does not have coverage for routine or “wellness” coverage.  It also does not cover the vet exam fee, to keep overall plan costs down. It is one of the few companies and plans to cover breed specific and genetic conditions such as hip dysplasia, with the caveat that there is a 12 month waiting period for coverage.  However, as with most plans, it does not cover pre-existing conditions (even the genetic conditions), routine visits or medically-prescribed food costs.

Healthy Paws allows you to visit any vet or pet emergency facility, and promises to cover your claim within 7-10 days, and subsequent claims in as little as 72 hours. If it’s your first claim,  Healthy Paws requires your vet to forward your dog’s complete health records to them (via fax). Subsequent claims don’t require this. They also have a 15 day waiting period for claims on accidents and illnesses, though coverage starts as soon as you submit a quote. A one time $25 processing fee is added to your quote.

Deductibles:

Pet owners can choose the deductible level that is right for your specific financial situation.  As with all types of insurance, lower deductibles will mean higher premiums but less money out of pocket until your insurance coverage kicks in.  Deductible options for Healthy Paws include $100, $250, and $500 plans.

Limits:

Healthy Paws added unlimited payouts in 2011, increased from their previous $25,000 limits.  This means there are no annual limits, no per incident limits, and no lifetime limits on care.  This approach allows an owner to think primarily about the well being of their pet with the knowledge that they can receive the best possible medical care.

Coverage

Healthy Paws offers three options – with 70%, 80% or 90% coverage of actual vet costs for approved accident and illness claims at veterinary clinics, emergency care centers, and specialty hospitals.  The company does not cover the cost of therapeutic foods or the cost of the vet exam fee (just treatment and medication costs).

Exclusions:

Health Paws does not cover exam fees nor wellness and preventative care (such as dental cleanings, vaccinations, and flea treatments).  Like most pet insurance companies, pre-existing conditions are not covered.   Other conditions such as hip dysplasia are covered as long as the pet is examined by a vet, your pet is enrolled prior to 6 years of age and does not show existing signs or symptoms of hip dysplasia at the time of the vet visit or during the 12 month waiting period.  Also, you must enroll before your dog reaches 14 years of age.


Screenshot above: Plan Comparison chart from Healthy Paws website

Cost:

Healthy Paws rates range with the age, breed, and location of your dog.  You can choose a $100, 250 or $500 deductible for your dog.  Premiums will increase slightly each year to cover the costs of increasing health care, but will not increase based on the number of amount of the claims that you file.

Example Quotes (at 90% deductible)

  • Jasper – 4 year old Labrador Retriever, Los Angeles, CA – $100 deductible – $46/month
  • Jasper – 4 year old Labrador Retriever, Los Angeles, CA – $250 deductible – $41/month
  • Jasper – 4 year old Labrador Retriever, Los Angeles, CA – $500 deductible – $35/month
  • Lola – 4 year old Maltese, Los Angeles, CA – $100 deductible – $40/month
  • Lola – 4 year old Maltese, Los Angeles, CA – $250 deductible – $35/month
  • Lola – 4 year old Maltese, Los Angeles, CA – $500 deductible – $30/month

For an exact price quote for your own dog, please get a quote or visit Healthy Paws pet insurance directly.

Customer Service:

Healthy Paws is rated highly for customer service.  There are resources for phone support from 7am to 7pm PST Monday thru Friday, and from 9am to 5pm PST on Saturday., fax, and email support.  The website  is easy to navigate and highlights their commitment to animal rescue and pet health.  Overall, Healthy Paws receives high marks for customer service and claim reimbursement. They also offer a 30 day money back guarantee for customers who have not filed claims.

Category : Dog Insurance Reviews | Blog