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Best Pet Insurance for Flea & Tick Prevention of 2022

Lisa Scott

Pet insurance can help offset expensive vet bills, and you can get the necessary treatment for your pet while also taking preventative measures to protect your pet from fleas and ticks, should that become a concern. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality to help you choose the best pet insurance plan for flea and tick prevention.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

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.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

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.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

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.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

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.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

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.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

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.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

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.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Is pet insurance worth it for flea and tick prevention?

Fleas and ticks are common pests that plague pets throughout the year. They’re small and relatively unnoticeable before they start to affect your pet more severely. Fleas can cause excessive itching and scratching, and when infected, can cause more serious issues like tapeworm and other bacterial infections.

Ticks may not cause much discomfort at first, but overtime they can severely impact your pet’s overall well-being. They commonly transmit Lyme disease, which can result in a coma or sometimes death, in more serious cases.

Though it is easier for your pet to get fleas and ticks outside, indoor animals can also be affected by these pests. Since it can be difficult to find them before the infestation gets more serious, the best way to prevent them is by making regular visits to the veterinary clinic. If the veterinarian does discover an infestation, medication will be provided for treatment.

While extremely helpful, regular check-ups and medication can become fairly expensive as the cost adds up overtime. Pet insurance is a great way to get coverage for these preventative care measures to ensure you can continue to pay for your pet’s wellness treatments.

What does pet insurance cover for flea and tick prevention?

Different pet insurance plans cover different treatments and procedures related to your pet’s wellness, including injury treatment, illness treatment, and routine and preventative care.

Depending on the insurance plan you choose, you may be covered for a range of procedures and treatments. Most often, these include:

  • X-rays and diagnostic tests: Scans, x-rays, and other diagnostics including blood and urine tests are often performed to help determine what is causing your pet’s injury or illness. These procedures are usually covered under pet insurance.
  • Hereditary and congenital conditions: Inherited conditions and issues that affect your pet from birth may require routine procedures and treatments.
  • Medication: Infections, injuries, and other illnesses that require medication for treatment are typically covered by a pet insurance plan.

Generally, pet insurance providers will have a variation of plans available such as illness-only, injury-only, or a combination of the two. However, these plans often do not include routine and preventative care.

For this type of coverage, you will need to take advantage of a separate wellness plan, or a wellness add-on offered through your provider. These plans cover wellness checks, routine prescriptions for preventative treatments, and more. With these add-ons, you can ensure your pet can get the treatment it needs to continue to prevent fleas and ticks.

How are pet insurance premiums determined for flea and tick prevention?

Different factors contribute to your monthly premium such as your pet’s unique characteristics and the details of your insurance plan. Some of the details that typically determine your monthly premium include:

  • Age: The older your pet is, the more likely they are to experience more severe health issues. For this reason, older pets generally have a higher monthly premium for insurance coverage.
  • Type of pet: Monthly premiums for pet insurance coverage can fluctuate depending on the type of pet you have. Expect to pay different premiums if you have more than one type of animal in your household.
  • Breed: Some breeds may be more susceptible to serious illnesses or injuries, which will raise your overall monthly insurance premium.
  • Plan details: If you decide to include wellness coverage as an add-on to your plan, you can expect your monthly premium to be higher as well.

How to choose the best pet insurance plan for flea and tick prevention

You will want to thoroughly review the available pet insurance plans available for flea and tick prevention to ensure your pet gets the coverage it needs. Here are some things to keep in mind as you make your decision:

  • Confirm flea and tick prevention is included: Whether your preventative care is included in a wellness add-on or the general insurance plan itself, find out what exactly is covered in relation to flea and tick prevention ahead of time.
  • Consider your pet’s needs: Take your pet’s breed, age, and overall medical history into account when deciding on the best plan. Be sure your plan covers medical treatments for issues they may encounter later in life, in addition to flea and tick prevention options.
  • Compare customer experiences: Once you’ve narrowed down a few plan options, take a look at what they all have to offer. Review their specific types of coverage, as well as deductible and reimbursement offerings. Additionally, review what customers have had to say about their experience with the insurance provider. Find out how they process claims and handle customer service inquiries to get a good idea of what your experience will be like.