The earlier you sign your puppy up for insurance coverage, the easier it will be to find an affordable, reasonable plan that helps you prepare for the unexpected and expensive vet costs. 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.
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.
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 $19, 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.
Pet Assure is not like other traditional insurance providers that reimburse you on claims. Instead, the digital platform offers a flat rate discount of 25% on all pet-related medical costs when you visit a participating veterinary doctor. The discount program applies to your vet bills checkout after every visit.
When your dog is a puppy, it may seem too early to look into puppy insurance coverage. Oftentimes, puppies are young and healthy, and illnesses seem far away. However, considering puppy insurance early on in your dog’s life is a great way to secure a reasonable coverage price and give you peace of mind for any potential medical issues during their puppy years and beyond.
Puppy insurance can help significantly reduce the long-term costs of any accident or illness treatment. Though most puppies are pretty healthy when they are young, planning for the unexpected can save you a lot of money and ensure you are able to get your dog the help it needs.
Getting puppy insurance early on in your dog’s life will help you avoid any barriers to coverage based on your dog’s age or long-term medical conditions. Many providers have rules around what types of pre-existing conditions they cover. Additionally, there is typically an age cap associated with coverage for older dogs.
Overall, it is a smart decision that helps you prepare for your puppy’s whole life. Getting your pet insurance early on will help you avoid these barriers to entry, and ensure your puppy is covered for any medical treatments they may need throughout their life.
Typically, puppy insurance covers a range of illnesses and injuries. Each insurance provider varies in terms of what procedures and treatments they will cover, as well as their policies around pre-existing conditions.
Insurance providers will offer different types of coverage options for these plans, and some may have additional add-ons included in their plan to offer specific coverage for things like wellness visits, medicine costs, and more.
Before you choose your insurance plan, be sure to look into the plan’s details surrounding reimbursement. Providers vary in what percentage they reimburse puppy owners for their veterinary costs.
Different details about your puppy come into play to determine your monthly premium for insurance.
To choose the best insurance for your puppy, you will want to keep a few things in mind: