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Best Pet Insurance in South Burlington, VT of 2024

Lisa Scott

As a pet owner, you want to ensure that your furry companion is well taken care of, even in the case of unexpected illnesses or accidents. One way to protect your pet is by purchasing pet insurance. Pet insurance can help cover the cost of veterinary care, which can be costly. In South Burlington, Vermont, there are a variety of pet insurance options available, but how do you know which one is best for your pet?

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

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.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

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

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

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

$3,000

Coverage Up To

100%

Reimbursement

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

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

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.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Types of pet insurance

When it comes to pet insurance, there are several types to choose from. Each type offers different levels of coverage, so it’s important to understand the differences before making a decision.

  • Accident-only insurance: This type of pet insurance only covers accidents, such as a broken leg or ingestion of a foreign object. It does not cover illnesses.
  • Time-limited insurance: This type of pet insurance covers both accidents and illnesses, but only for a specified period of time. Once the time limit is reached, coverage stops.
  • Lifetime insurance: This type of pet insurance covers both accidents and illnesses for the entire life of the pet. It is the most comprehensive type of pet insurance.
  • Wellness insurance: This type of pet insurance covers routine care, such as vaccinations and teeth cleaning. It’s not mandatory but it’s an add-on option to your policy.

Coverage options

When it comes to pet insurance, coverage options can vary widely. Some policies may have higher deductibles or co-pays than others. Some may have limits on the amount that can be claimed for certain types of treatment or procedures. It’s important to carefully review the coverage options of any pet insurance policy before making a decision.

  • Co-pay: The amount that you, the pet owner, will pay out of pocket for veterinary services.
  • Deductible: The amount that must be paid before the insurance company will begin paying for veterinary services.
  • Benefit limit: The maximum amount that the insurance company will pay for veterinary services in a specified time period.
  • Pre-existing conditions: Some policies exclude pre-existing conditions, so it’s important to understand what a policy does and does not cover before purchasing.

Cost of pet insurance

The cost of pet insurance can vary widely, depending on the type of coverage, the breed of pet, and the age of the pet. In general, the cost of pet insurance is likely to be higher for older pets or for pets with certain health conditions. It’s important to compare the cost of different pet insurance policies to find the one that is most affordable.

  • Age: As the pet grows older, the cost of insurance increases.
  • Breed: Certain breeds of pets are more prone to certain health conditions, and therefore, their insurance may cost more.
  • Pre-existing conditions: Pets with pre-existing conditions will be more expensive to insure.

Claim process and customer service

When it comes to pet insurance, it’s important to understand the claim process and the level of customer service provided by the insurance company. Some insurance companies may have a more streamlined and efficient claim process than others. It’s also important to consider the level of customer service that the insurance company provides, as you may have questions or concerns about your policy.

  • Claim process: How easy is it to file a claim? How long does it take for the claim to be processed? Are there any additional forms that need to be filled out?
  • Customer service: Is the insurance company easy to reach? Are they responsive to your questions and concerns? Are they available to assist you during the claim process?

Network of veterinarians

When purchasing pet insurance, it’s important to consider the network of veterinarians that the insurance company partners with. Some insurance companies may only cover services provided by certain veterinarians, while others may cover services provided by any licensed veterinarian. It’s important to consider whether the insurance company’s network of veterinarians includes the veterinarian you currently use for your pet, or one that you would like to use in the future.

  • Network of veterinarians: Are the partners of the insurance company the ones you trust? Are they located in your area?
  • Out-of-network coverage: Does the insurance company offer coverage for out-of-network veterinarians? Is there an additional cost for out-of-network coverage?

By considering these factors, you can make an informed decision about the best pet insurance for your furry companion in South Burlington, Vermont. It’s important to do your research and carefully review the coverage options, cost, and customer service of any pet insurance policy before making a decision. With the right pet insurance, you can ensure that your pet receives the care they need, even in the case of unexpected illnesses or accidents.

How to choose the best pet insurance

When choosing the best pet insurance for your furry companion, there are several things to consider. The type of coverage, coverage options, cost, and the specific needs of your pet are all important factors to consider. Here are some tips for choosing the best pet insurance for your pet:

  • Understand the different types of coverage and choose the one that is most appropriate for your pet.
  • Carefully review the coverage options of any policy you’re considering.
  • Compare the cost of different policies to find the most affordable option.
  • Take into account the specific needs of your pet, such as age, breed, and any pre-existing conditions.
  • Read reviews of different pet insurance companies and see which one is more reliable.

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