Today, more and more people are seeing the value of getting their pets on a good insurance plan, and it’s easy to see why. Knowing the answer to the question “is pet insurance worth it” can help you prepare for those huge vet bills that always seem to come out of nowhere, and also help us cover regular visits, medications, and vaccines for our fur babies.
Though it’s easy to see the value in getting hooked up with a pet insurance policy, it’s a little bit more difficult to figure out which of the popular pet insurance brands is best for you and your furry friend. What are the benefits and drawbacks of each? How do all of the different insurance policies stack up against one another?
If you don’t want to spend horse searching high and low on the internet, don’t worry. We did the research for you, and are stoked to share the results with you.
Trupanion
Trupanion is a popular pet insurance brand that, unfortunately, does have a few drawbacks.
For one thing, they have a per-condition deductible. This means that any time your pet gets diagnosed with a new condition, you have to pay an extra deductible. They also don’t cover some of the essentials that other popular pet insurance plans cover, like illness or accident-related exam fees.
They also don’t automatically cover things like behavioral therapies, but rather charge extra fees to add these services onto your plan. This makes trupanion kind of impractical when compared to other quality pet insurance brands that offer better coverage for your pet’s health.
Figo
Another popular pet insurance brand is Figo, though it also has certain areas where it falls short.
One of the biggest concerns that pet owners have when it comes to this pet insurance brand is that it doesn’t cover diagnostics or treatment of common parasites like heartworms, ticks, or even fleas. It also is difficult to get them to cover vaccinable diseases unless it can be proven that you already took the steps to prevent these diseases.
They also don’t offer all of the costs associated with prevention and diagnostics for your pet’s health. Other pet insurance brands make it clear that they put an emphasis on covering those preventative measures that help keep your pet from getting ill in the first place.
Petplan
Though Petplan offers a range of coverage options for your pet, they also have a few requirements that can make it more difficult for pet owners to get the coverage that they need.
For one thing, they have preventative care requirements that you have to meet. This usually includes an annual exam. Though many pet parents will get these anyway, it does create another hoop to jump through to keep your furry friends covered.
They also don’t cover Rx food, which is a huge bummer for people with pets that need medicated food to treat various illnesses.
Lemonade
With a fun, fruity name like Lemonade, you would expect this insurance brand to cover everything, right?
They do offer coverage for illness and accidents, unlike many of these competitors. They don’t, however, offer nose-to-tail coverage for your fluffy best friend. One of the biggest issues with this pet insurance company is that they don’t cover things like dental health, behavioral health, preventable conditions, or repetitive occurrences. This means that if they determine your pal’s illness could have been prevented, you’ll have to foot the entirety of the bill.
Pumpkin
Pumpkin Pet Insurance offers everything that these other competitors don’t, which is why so many loving pet parents have stuck with it for years.
They are committed to covering the health of your pet from the tips of their nose to the end of their tail. They offer coverage for things like dental problems, behavioral issues, and alternative methods that other insurance brands won’t.
They also offer full coverage for diseases that are considered preventable. They understand that sometimes we can’t get our fluffy friends vaccinated before things get out of hand, and they have us covered. They also know how common fleas, ticks, and intestinal worms are, so they cover your diagnostic and treatments costs for those, too.
Pumpkin is committed to offering your pet all of the health benefits that they need, including Rx food, any medications, and preventative methods to keep them happy and healthy.
Go With the Best, Don’t Bother With the Rest
When it comes to your pet’s health, why bother taking any risks? Pumpkin Pet Insurance covers everything that your pet could possibly need at one great price.
