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As a pet owner, dealing with issues that come with owning a pet, from routine checks down to the veterinary bills can be overwhelming. That’s why pet insurance exists because your pet deserves all it takes to keep it strong and remain in perfect health. This can go a long way in ensuring your pet has proper care when it falls ill due to an emergency injury, or other adverse conditions.
Knowing the advantages that come with pet insurance shouldn’t be the only goal. Rather, you should be able to know the best insurance for your pet. Therefore, in this article, we’ll give you a rundown of what you need to consider when looking out for the best pet insurance in Maine.
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.
Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.
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.
MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.
Spot will insure older animals and provides a multi-pet discount when you insure two or more pets
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.
Fetch covers various conditions and offers holistic therapy coverage.
Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.
Many pet owners in Maine treat their pets like close companions and won’t want to see them in conditions that will make them say goodbye. Some of them go all the way to celebrate their birthdays. Others allow them to lie on their beds or even involve them in family gatherings and occasions.
An average pet owner might not be able to pay for an emergency or unexpected medical bill when the pet suffers an injury or sickness. Pet insurance comes in to provide you the ability to conquer the challenge by covering for the medical expenses.
With a good insurance plan, you’ll be able to concentrate on your pet’s medical treatment without worrying about the bills. Pet insurance helps in reducing the spontaneous amount of money you’ll spend on unexpected emergencies. This way, you can easily stay on budget.
As you search for the best pet insurance, look out for one that fits your pet’s specific needs and breed. We’ll briefly explain below three plans you’ll likely find.
The wellness plan ensures to cover the cost of your pet’s routine checks and keep it in a healthy state. This preventive care can include vaccination, yearly veterinary exams, spay/neural, parasite prevention, and microchipping. You can get this plan independently or as an addition to an accident or an illness plan.
This plan only covers the cost of treatment for accidents like car accidents, falls, burns, or when your pet swallows an object/ substance. As a pet owner, you won’t have to worry about the expenses that come with treating your pet in the case of an accident.
As the name implies, this plan covers treatment for your pet’s illness and when your pet gets injured as a result of an accident. Your insurer reimburses you for certain major expenses on your pet. Such expenses may include treatment for your pet’s illness, surgery, hospital bills, hereditary conditions, injuries, and accidents.
There are different factors that can affect the price of this plan. Such factors include coverage limit, pet species, breed, age, and deductible.
Pet insurance companies in Maine are likely to cover the following:
Most pet insurance in Maine does not cover conditions like pre-existing conditions, dental care, grooming, and cosmetic procedures. Also, your pet’s species or breed can determine the coverage for treatment.
You are expected to pay more or less for insurance due to certain factors associated with your pet’s species, breed, age, and location. You must know that older pets are prone to have regular illnesses and injuries. As such, they certainly require frequent veterinary care and visits. So, you might have to pay more if you have an older pet.
There are specific health conditions that are peculiar to a breed. A good example is hip dysplasia that affects Golden Retrievers and German Shepherds compared to other dogs like Poodles and Pomeranians.
Compared to cats, dogs love to jump, hop on objects and play around whenever they’re out of the cage. Those actions make them more likely to suffer from injury.
Insurance premiums can be on the high side due to fewer veterinary clinics, veterinarians, or high veterinary costs in your location.
As a pet owner, you must educate yourself about the veterinary cost because it helps you know how to save for your pet’s treatment. The veterinary cost in urban areas in Maine can differ from that in rural areas. One other factor that determines the veterinary cost can be an emergency issue that needs immediate attention.
Amongst many illnesses and accidents your pet can suffer from, these are the cost of treatment for some common conditions.
The task of finding the best pet insurance requires a lot of patience. Thisis because you will have to consider several insurance companies. In the process, you’ll need to ask for a sample of the policy they offer so you can compare it with other companies.
These samples would include waiting periods for accidents and illnesses, coverage for each plan, money-back guarantee, deductibles, coinsurance, premiums, and discounts. Before looking out for a sample policy, you should have a comprehensive detail of your pet’s medical history and the hereditary conditions of the breed.
You should go for insurance policies with unlimited yearly benefits, a reimbursement rate that’s up to 70%, and deductibles that can be adjusted. This insurance policy might require high premium costs so you’ll always be able to pay for your pet’s treatment.
You can look out for customers’ reviews and ratings to know what you can expect if you’re to buy an insurance plan for your pet.
