A dog insurance plan ensures your furry friends receive the best care, and it saves you money from large vet bills through reimbursements on medical treatment when things happen unexpectedly. We’ve looked at the top choices for coverage, multiple dog 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.
Keeping up with multiple dogs is hard work. Whether you have a few of the same breed or all different breeds, each dog requires unique care to keep them happy and thriving.
A multi-dog insurance plan will help you keep each of your dogs healthy and happy with individual insurance plans under the same provider. These insurance policies consist of unique plans covering each dog for its specific age, breed, and medical history. Though you may keep up with your dogs’ health regularly and bring them in for check-ups often, you are never able to anticipate when sudden illness or injury may strike. For unexpected medical issues, multi-dog insurance can help you ensure you’re able to get your dogs the treatment they need.
Having multiple dogs, there may be times where you have more than one dog sick at once. Medical treatment for multiple dogs can add up quickly – but with insurance coverage, you can be confident that you’ll be able to afford treatment for whatever your dogs need.
Multi-dog insurance covers a range of medical treatments and procedures, depending on your provider and their various policies. They often cover treatments including:
Multi-dog insurance plans will individually insure each of your dogs to provide them the medical treatment they need for unexpected illnesses or injuries. Additionally, many plans will also cover dogs for any hereditary or congenital conditions they have that require medical treatment.
However, most pet insurance policies will not cover any pre-existing conditions present ahead of their coverage beginning. Additionally, many will not cover wellness or preventive care treatments. For coverage related to regular check-ups with a vet, or routine and preventive care procedures, you will either need to take advantage of add-ons to an existing plan, or get a separate wellness coverage plan.
There are many details that help to determine your multi-dog insurance plan’s monthly premiums. Here are some of the things that contribute to your premium:
Additionally, if you include any add-ons to your plan, including wellness or routine care add-ons, you may be expected to pay more overall.
You have a lot to consider when choosing the best multi-dog insurance plan for your pets. Here are some things to keep in mind: