For many of us, our dogs provide us love and affection, and in return we want to ensure they have a long, healthy life ahead of them. Pet insurance can provide medical care to our pets, and also be useful to have when there’s a medical emergency. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.
ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.
Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.
Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.
Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.
Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.
Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.
Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.
Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.
With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.
American Cocker Spaniels are sweet and friendly dogs that love attention and being around other people. It’s not uncommon for our pets to become a member of our family and sometimes, even our greatest companions.
Even when we take great care of our pets, there are instances where things may not go as expected. Illnesses and injuries are not always something we can prepare for, regardless of how often we take our dogs to the veterinarian.
Pet insurance can be very helpful so you can prioritize your pet’s health and not worry about potential medical bills. You can put all your attention on your American Cocker Spaniel’s recovery without the stress of choosing between your pet and a financial burden.
Typically, American Cocker Spaniels have a longer lifespan than average for dogs. You can expect your dog to live somewhere between 12-15 years. However, like all dog breeds, there are certain medical conditions that your dog could develop such as:
Pet insurance covers a range of medical treatments and procedures, which may be necessary over the course of a dog’s life. You can expect the following to be covered by an insurance provider:
Most pet insurance providers offer plans that cover injury-only, illness-only, or a combination of the two. Depending on the plan you go for, you can expect your pet to be covered for a range of treatments.
While pet insurance covers plenty of medical procedures, pre-existing conditions are typically not covered by pet insurance policies. By getting an insurance plan when your dog is young, your pet can be covered for any illnesses that arise throughout its life.
Most pet insurance companies will consider a variety of factors when determining individual pet insurance premiums. The most common determining factors include:
Additionally, your insurance plan details will factor into your overall premium cost. Your choice of yearly deductible, coverage cap, and reimbursement amount will affect your monthly premium cost.
There are plenty of pet insurance plans to choose from when trying to decide on the best one for your American Cocker Spaniel. Different plans offer a variety of details that you can choose from to get the coverage that works best for you. During your search, here are some things to keep in mind: