Best Pet Insurance Companies for Dogs 2023
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If your dog gets sick or injured, could you afford veterinary costs? While you may be able to handle minor ailments out of your own pocket, issues like surgeries or cancer treatments can cost thousands of dollars and quickly cause financial problems. So, rather than finding yourself in a difficult situation between depleting your finances or forgoing important care for your beloved pet, many people are buying pet insurance.
But which is the best pet insurance for dogs?
Unlike human health insurance, pet insurance can usually be used at the veterinarian of your choice. So you usually don’t have to choose based on which insurance your preferred provider carries.
Instead, you can compare the best dog insurance based on factors like premium prices, flexibility in defining your coverage and the extent of coverage. In some cases, you may find that by opting for a low cost The insurance provider is the best option, while some people might prefer stronger coverage in exchange for higher premiums.
Here, we’ll take a closer look at some of the best pet insurance for dogs across several categories. If you’re looking for pet insurance, start by getting a free quote.
Best Pet Insurance Companies for Dogs
Here are some of the best pet insurance companies, broken down into six different categories.
Ideal for complete coverage: recover by the Dodo
Recover by the Dodo stands out for offering comprehensive insurance for dogs. In addition to standard accidents and illnesses, Fetch offers dental coverage (although teeth cleaning is generally not covered), as well as coverage for breed-specific issues, like hip dysplasia or respiratory problems.
Recovery policies also include veterinary fees for sick visits, as well as alternative treatments like acupuncture. Additionally, Fetch offers unique benefits such as up to $1,000 per year if pet parents need to be hospitalized for four or more days themselves, as well as up to $1,000 per year to help to find a missing animal.
Fetch also has a popular mobile app that can be used to submit and track claims. Learn more about Recover by the Dodo now.
Best for Flexibility: Adopt
If you would like to customize your pet insurance coverage, To kiss is a great option. Depending on your state, you may be eligible for a wide range of annual income options. franchisesannual refund reimbursement limits and percentages.
You can also choose from additional coverages, including exam visits and prescriptions, as well as an optional wellness plan that provides reimbursement for preventative care.
Plus, Embrace pet insurance policies come with 24/7 telehealth service for those times when you don’t necessarily want or need to see a veterinarian in person immediately . Explore your pet insurance options with Embrace.
Best for a quick payback: Lemonade
Through the use of AI and a robust mobile application, Lemonade claims to be able to approve some requests in just a few minutes, which can lead to almost instant reimbursement. The process works by accessing Lemonade’s mobile app to file a claim, answering questions from an AI assistant, recording a short video about your pet’s situation, and uploading veterinary documents. If the request is approved, Lemonade will then send the funds directly to your bank account.
Just note that Lemonade Pet Insurance currently operates in 37 states but plans to expand further. Learn more here now.
Best for direct veterinary payments: Pets Best
Many pet parents choose pet insurance because veterinary bills can be difficult to pay out of pocket, but many plans require you to pay your veterinarian first and be reimbursed later. However, Best Pets is one of the best pet insurance providers that can be particularly helpful by making payments directly to your veterinarian, rather than requiring you to go through a reimbursement process.
Doing this still requires submitting a claim and having your vet sign a release form, but it can still be a smoother experience than worrying about putting a big bill on your own credit or debit card . Get started with Pets Best here.
Best for Mobile App Experience: Figo
If you want a great digital experience from your pet insurer, consider Figo. The pet insurer’s Pet Cloud app has a 4.8 rating on Google Play and the Apple App Store.
Not only can the app be used to submit claims and get reimbursed quickly, but it can also be used to access things like Figo’s included telehealth service and help you track your pet’s digital records. Additionally, the Figo app can connect you to resources like other nearby pet parents, daycares, and pet-friendly restaurants.
Learn more about Figo today!
Best value for money: Odie
If you’re looking for the cheapest pet insurance for dogs, Odie is a good place to try. Although rates may vary depending on factors such as your location, breed and coverage you choose, Odie typically offers some of the best pet insurance prices.
For accident only pet insurance, plans start at $9/month for dogs. For illness and injury plans, the average cost of dog insurance through Odie for a three-year-old mixed breed is $45/month. But it is certainly possible to find plans significantly lower than this average, for example if you choose a high deductible.
For example, a three-year-old mixed breed dog in Southern California could be insured for $14.01/month with an 80% reimbursement rate, a $1,000 deductible, and a $40,000 annual limit.
The essential
Choosing one of these pet insurance companies can help you care for your furry friend while protecting your finances. As with any type of insurance, you should research the best pet insurance costs and features for your situation.
It’s easy to get quotes by going to pet insurers’ websites and filling in a few details, like your pet’s age and status. breed. From there, you can see which plan is best for you.
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