WHAT DOES PET INSURANCE COVER ?
We all love our pets and if they need vet care we want to be able to help them and it would great to NOT worry about the cost. Insurance can help with this but what does pet insurance cover ? We have a comparison chart below showing the major pet insurance companies and what they offer.
When considering insurance for your pet the first item that is likely on your mind is cost. We ran a quote for our dog Max on FIGO and got quotes ranging from about $62 to $125 per month. This is obviously a wide range and is based on the amount of annual benefits covered. At $62/mo, the annual benefits are $5,000. At $112/mo, the annual benefits are $10,000. The $125/mo offers $20,000 in annual coverage. Other factors affecting the monthly cost are your pets age, sex and breed.
You can see in the table below that the cost ranges significantly across insurance companies. Many companies offer coverage at the $60-$70/mo cost, and for more coverage and lower deductibles, the cost goes up to $75 – $420/mo !
Take a look at the table below to see quotes we received for Max and details about items the various insurance companies cover.
| PET INSURANCE COVERAGE/FEATURE | FIGO | PET PLAN | TRUPANION | HEALTY PAWS | PETS BEST |
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| Cost for our dog Max (every pet has different quotes) | $62 - $125/mo | $151 - $420/mo | $71 - $218/mo | $77.50/mo | $62 - $76/mo |
| Chronic Conditions |  |
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| Annual Deductible | |
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| A Variety of Plans for Illness/Injury | |
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| Unlimited Lifetime Benefit Plan | |
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| Chat with Live Vet 24/7 | |
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| Customer Service on Facebook | |
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| Customer Service Through Texts | |
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| Online Chat Customer Service | |
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| Pet Records Stored Online | |
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| Submit Claim via Mobile App | |
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| Coverage for Pre-existing Conditions | |
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| Prescriptions included w/o fee | |
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| Includes Chiropractor and Acunpuncture | |
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| Includes Advanced Cancer Services | |
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| Has Upper Age Limits | |
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| 100% Reimbursement Available | |
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some items you should consider
- Is your monthly fee fixed or could it increase as your pet ages ?
- What is the process for filing a claim to be reimbursed or to cover your costs ?
- How much time do you have to file your claim ?
- Can you cancel your policy, are there any fees ?
- If you need to give your pet to another owner can you transfer the insurance policy ?
- Is there an annual deductible and can that amount be adjusted like car insurance deductibles ?
- Does your pet have any pre-existing conditions ? Most insurers do not cover health issues that existed before the policy was created ?
- Will you be able to go to the same Vet you are currently using ?
- Will your pet need to have an exam to determine their health prior to gaining insurance coverage ?
- Is there a trial period or a money back guarantee for 30 days ?
our quote from figo pet insurance
In our review of pet insurance companies, Figo appears to have a nice balance of payment ranges and features provided. They have in fact won they #1 pet insurance recognition from Reviews.com in 2017, 2018 and 2019.
Here is a table showing details of the quote we received from Figo for our dog:
