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Pet insurance can be a hugely beneficial safety net in case your furry friends like cats and dogs encounter any health issues. Veterinary bills can quickly start to pile up, and if you don’t have insurance, covering the costs of your pet’s treatment can quickly become a serious financial burden. The best pet insurance, however, allows you to pay an affordable monthly or annual premium and enjoy total peace of mind, knowing that if ever your pet does develop some kind of health problem or gets injured in an accident, the insurance company will help to cover the costs. We can help you find the best pet insurance for 2021 by comparing policies from leading companies.
There are three main types of pet insurance:
The exact conditions, diseases, disorders, and other issues covered by pet insurance will massively vary depending on the provider and policy you choose. Some plans can be much more comprehensive than others, covering a great range of possible eventualities, while others are more limited in terms of their coverage. Usually, check-ups, dental treatment, vaccinations, x-rays, ultrasounds, MRIs, rehabilitation, surgery, hospitalization, urgent care, cancer treatment, and euthanasia will be covered by a general pet insurance plan from a leading insurance company.
Spot Pet is one of the best-known brands in the pet insurance business, offering a friendly and innovative approach, wide coverage plans for both cats and dogs of all breeds and sizes, and some great reimbursement options too. What’s more, this brand’s chairman is none other than best-selling author, TV personality, and pet expert, Cesar Millan.
Spot Pet is definitely among the best pet insurance for 2021 for cat and dog owners, as well as those with multiple pets in the house, as you get exclusive discounts for each additional pet. It covers a wide range of veterinary bills for routine care, wellness, and treatment for injuries and illnesses too.
Reimbursement rate
Spot Pet offers really flexible plans, with a wide range of different reimbursement options for new holders to choose between. You can opt for three different values of reimbursement: 70%, 80%, and 90%. By offering this wide range of choices, Spot Pet allows you to customize your policy to meet your needs.
Annual benefit limit
As with the reimbursement options, Spot Pet offers a wide range of customization options when deciding on your annual limit. The lowest limit is $5k, but you can also choose $10k, $15k, $20k, and unlimited annual limits for your plan too.
Price range
Prices with Spot Pet are part of what make this insurance company so appealing to pet owners across America. If we look at a typical plan for a 2-3 year old cat or dog with a $5k animal limit and 80% reimbursement, you can pay as low as $19 per month. You can also get discounts for every additional pet.
Services
Part of what makes Spot Pet such a good option is its customizability. The company really gives you a lot of flexible options when creating your plan. It offers plenty of coverage too, including check-ups, vaccinations, injury and illness care, prescriptions, and microchips.
Customer reviews and Support
Customers generally seem to be very satisfied with this pet insurance company, and it has received a lot of 5-star reviews online. If you need any help with Spot Pet, there’s an FAQ section on the site, as well as a call center you can contact.
The American Society for the Prevention of Cruelty to Animals, also known as the ASPCA, is one of the biggest non-profit organizations dedicated to preventing animal cruelty on the planet. It’s been around since the 19th century, helping to save neglected and abused pets from harm, and now it also offers pet insurance plans to keep your furry friends safe too.
One of the best pet insurance for 2021 options you can choose, ASPCA offers coverage for both cats and dogs of various breeds, ages, and sizes. This is a company that clearly loves animals and wants to help them, so it offers some of the broadest coverage options, most flexible plans, and best rates around too, although you may have to pay a little extra in certain cases.
Reimbursement rate
In terms of reimbursement rate, ASPCA offers three distinct options: 70%, 80%, and 90%. This is just like Spot Pet and other leading insurance brands, letting you customize the plan to suit your needs.
Annual benefit limit
When it comes to annual limits, ASPCA lets you go as high as you like, offering the potential for unlimited plans if desired, or more affordable plans with limits priced between $5k and $20k.
Price range
In terms of prices, on a standard $5k plan for a young dog with a $250 deductible and 80% reimbursement, you’ll be paying less than $30 per month. This covers illnesses, accidents, behavioral problems, and much more, and the prices remain fair on older pets too.
Services
ASPCA offers really flexible plans, letting you choose between different annual limits and reimbursement options. It lets you submit claims however you like, either online or by mail, and get your reimbursements delivered by mail or wired to your account. It also offers accident only plans which are more affordable too.
Customer reviews and Support
Overall, there’s clearly a lot to love about ASPCA as a pet insurance provider, and holders of policies with this company seem thoroughly satisfied. If you need to get in touch, there are email and phone lines that can be contacted.
Anyone looking for the best pet insurance for 2021 also has to consider Embrace Pet Insurance. Offering personalized, affordable plans to fit almost any budget and situation, Embrace Pet Insurance is a popular choice with pet owners across America.
It offers high rates of reimbursement, extensive coverage options, a separate wellness plan to cover things like spaying, neutering, training, and grooming, and some great customer support too. Not only that, but when compared to other companies, Embrace Pet Insurance has the advantages of offering diminishing deductibles, a fair response to pre-existing conditions, and wellness rewards.
Reimbursement rate
As with many other leading pet insurance companies across America, Embrace Pet Insurance lets you choose between reimbursement percentages of 70%, 80%, or 90%.
Annual benefit limit
In terms of annual limits, you can customize your plan up to a maximum of $30k per year. Other options include $5k, $8k, $10k, and $15k.
Price range
When it comes to prices, Embrace is a great choice. Regardless of whether you’re covering young or older pets, the prices are fair and deductibles diminish each year. There are, however, some fees to worry about, like a $25 enrollment fee and $1 monthly fee.
Services
In regard to general service and features, Embrace provides highly flexible plans and stands out for its unique wellness rewards program too. It offers speedy claim payouts within 5-15 days, 10% discounts on extra pets, no upper age limit, and no per-incident limits.
Customer reviews and Support
Embrace offers really terrific customer support. You can head to the company’s site to get a lot of info on how your policy works, access a 24/7 pet health line for help and support when you need it, and read through pet parenting blog articles and guides.
If you’re looking for the best pet insurance for 2021 and really want to find an accessible, affordable, comprehensive policy that can cover pretty much any and all vet bills, Petplan is a great choice for you and your furry friends. This company prides itself on its simplicity, offering up to 90% coverage on vet bills for injuries and illnesses.
This leading insurance brand also offers a great range of bonuses like up to 30% credit on your premium if you look after your pet properly and 24/7 pet care experts to help you deal with any animal-related issues that might arise.
Reimbursement rate
In regard to reimbursement, as with many other leading pet insurance providers like ASPCA and Spot Pet, Petplan lets you choose between 70%, 80%, and 90%.
Annual benefit limit
When it comes to annual limits for your pet insurance plan, Petplan is highly flexible, offering options ranging from as low as $2.5k right up to $25k or even unlimited plans, should you so desire.
Price range
Since Petplan is so flexible with its annual limits, deductibles, and reimbursement rates, you can play around and create a highly affordable plan when choosing this company. However, if you want a plan with a high limit and low deductible, the costs can start to get pretty high.
Services
Petplan offers highly flexible plans that cover pretty much anything that could occur with your pet, including exam fees too. There are no lifetime or per condition claims limits, and claims can be paid out as quickly as five days. It even includes coverage for trying to find your lost pets or if your vacation gets canceled due to an ill pet.
Customer reviews and Support
When it comes to customer reviews and support, Petplan continues to lead the way. Users of this service rate it as one of the most comprehensive options on the market, and Petplan’s site offers live chat windows where you can speak with a friendly advisor as required.
Hartville Pet Insurance is part of the Crum & Forster Pet Insurance Group, and it aims to offer some of the most affordable pet insurance plans in America, helping pet owners across the country get the care their furry friends need without breaking the bank.
This is definitely one of the best pet insurance for 2021 companies to choose if you’re worried about costs, offering flexible plans and low premiums that keep your dog or cat safe from illnesses, accidents, and other issues that might require veterinary care. There’s even an optional wellness plan you can opt for if you just want a basic, budget level of coverage.
Reimbursement rate
As with other leading pet insurance providers across America, Hartville Pet Insurance allows its users to choose between 70%, 80%, and 90% coverage, as required.
Annual benefit limit
For annual limits, you don’t get quite as much variation with Hartville as you would with other providers. The top limit with this provider is $10k, while the lower limit is $3k.
Price range
Prices with Hartville Pet Insurance are very fair and affordable, especially if you set the annual limit relatively low and sign up for a deductible of $250 or $500. The main plan covers everything from hereditary conditions to behavioral problems, accidents, illnesses, and more.
Services
In terms of special features or services, Hartville doesn’t have too much to offer, but it provides reasonably flexible plans, wide coverage options, 30-day money-back guarantees, and even coverage for pets that are traveling around the US and Canada too.
Customer reviews and Support
For customer support, Hartville’s website has its own ‘Member Center’, which is basically a kind of online account dashboard that lets you keep track of your policy, add new pets, find nearby vet clinics, pay bills, and learn more about your coverage.
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The reimbursement rate for any pet insurance plan basically tells you how much of your vet bills and treatment costs will be reimbursed. It's usually measured as a percentage, and the best brands will give you a few different reimbursement rate options to choose from.
The annual benefit limit tells you the maximum amount of cash that will be covered per year on your plan. So, if your plan has a limit of $10k, you'll be entitled to $10k worth of vet bill coverage for that year. It's always good to find flexible limit options.
Price range determines how much the insurance actually costs per year, and this will vary depending on the type of animal you want to protect, along with its age, size, and any pre-existing conditions too. The best companies offer fair, affordable plans for every pet.
The best pet insurance policies will always provide accident coverage. This ensures that if your pet gets hurt in an accident and requires surgery or rehabilitation, the costs will be taken care of by your insurance provider.
Illness is another huge and integral aspect of any pet insurance policy, ensuring that your cat or dog will be covered if they develop any illnesses, diseases, or infections. This coverage should take care of prescription medicines, surgery, and other treatments too.
Emergency boarding may be another important aspect of a pet insurance plan. This will cover the costs if you have to seek out urgent boarding for your pet, for example if you fall ill and have to go to hospital, so aren't able to look after your furry friend.
In some situations, the humane thing to do is to end a pet's life peacefully, rather than allowing them to go on living in pain. Euthanasia is never taken lightly, but if necessary, your pet insurance plan should cover the associated costs with this procedure.
If you plan on traveling with your pet to another country, some pet insurance plans will also provide coverage for this, helping you stay protected in case your pet gets hurt or falls ill while you're away from your home nation.
A good pet insurance plan should also include coverage for routine care. This can include things like dental cleaning, annual check-ups, vaccinations and booster shots, and more, covering all the basics of regular routine care to keep your pet happy and healthy.
