Paws-n-Pets and other animal-related health insurance are becoming more popular as people become more aware of the benefits of having healthy pets. But finding the right pet insurance plan can be challenging. Many companies do not offer good rates or plans with adequate coverage for pet owners who want to protect their families, homes, properties, and finances.
You don’t need to take out a costly pet insurance plan if you don’t want to. Plenty of good dog health insurance options available today will suit your needs without breaking the bank. You may even find some that are better than the competition. Here are the top 3 plans available now:
The Pet Plan Basic Plan
The PetPlan Basic plan is now the most affordable option for pet insurance. It costs only $50 for a single pet and $100 for a family. This plan offers decent coverage if you are willing to pay the premium. However, it does not extend beyond the first year, so make sure you keep an eye on your finances if you decide to purchase this plan.
The Pet Plan Basic Flexible Care Coverage
The PetPlan Flexible Care plan is a cheaper, more affordable version of the Basic plan. It costs $50 for a single pet and $100 for a family and offers identical coverage to the Basic plan, aside from covering only primary care like vet visits, food, and medications. Again, this plan is only valid for one year, and you can cancel your subscription anytime.
The Pet Plan Classic Care Coverage
The PetPlan Classic coverage is for people who want extra protection for their animals and want it all in one place. It offers no extra coverage such as rental protection or protection against unexpected medical expenses. This coverage costs $50 for a single pet and $100 for a family and is available. Only to those who use the Basic or Flexible Care options.
The Pet Care Pro Plus Plan
The PetCare Pro Plus plan is the most expensive option available but offers the most coverage. It costs $100 for a single pet and $200 for a family and comes with extra protection like preferred boarding and tail docking coverage and protection against medical bills due to illness. This plan also comes with a three-year guarantee, which means that if you are not completely satisfied with the coverage. You can return the item and get a full refund.
The Pet Care Pro Essential Care Coverage
The least expensive option available but still packed with features. The Pet Care Pro Essential Care coverage costs only $50 for a single pet and $100 for a family. This coverage is similar to the Pro Plus plan but only offers primary care and does not cover food, drinks, toys, or special activities.
The Blue Cross & Blue Shield Health Insurance for Dogs program
The BlueCross & BlueShield Health Insurance for Dogs program is a federal program that offers pet insurance coverage for certain breeds of dogs. Like Labrador and Pit Bull, as well as mixes. The program does not offer any coverage for cats. However, the coverage is good for a year, after which time, if the animal is not covered by insurance, the company must pay for the animal’s medical care.
This program is only available to people who purchase their pet insurance plans directly from Blue Cross & Blue Shield. However, this is a good option if you are not happy with the coverage offered by your current insurance provider.
What is the difference between pet insurance plans?
First, it is important to understand the difference between pet insurance and pet finance. Pet insurance is a legal responsibility of the pet owner. While pet finance is a loan you take out for pet care provided by a company. You can find several pet insurance plans with select providers that cater to families with small pets like Chihuahuas, Maltipoos, Lhasa apsos, and others.
No two pet insurance plans are the same. The best plan will depend on your specific circumstances. While you will likely end up paying more for a high-deductible plan, you will also save in the long run by being able to cover more medical expenses for your pet. If you are going with a high-deductible plan, ensure you budget for it appropriately.
Consider the total cost of insurance and add as much as possible. If possible, try to find a plan with a lower deductible. When choosing a pet insurance plan, it’s important to consider your family’s out-of-pocket expenses, including veterinary bills and the cost of care for your pet. You can find many pet insurance policies with discounts for high-cost or high-volume clients. But make sure the policy covers all of your bases.