Compare Pet Health Insurance - Vet Insurance Comparison
When you compare pet health insurance coverage, you'd be surprised what is often ignored by one company and not by another. It's important to know what companies will and will not cover because your pet will have unique needs at some point in his life.
Some veterinary health insurance companies refuse to cover hereditary traits. If you have a breed with a predisposition to gastric bloat, you'll want a pet health insurance policy that covers you if this frustrating condition occurs.
Five Popular Pet Insurance Companies
Start any pet insurance comparison by looking at the top five companies in the United States. Pet insurance is relatively new to this country, but it's come along way in the past decade.
In terms of pet insurance companies, there are five that are commonly recommended by veterinarians. They also get decent pet insurance reviews from their policy holders. The animal insurance companies include:
- ASPCA
- Pet Plan
- Pets Best
- Purina Care
- VPI
Each of these medical pet insurance companies offers basic coverage and additional plans that provide a wide array of veterinary coverage. For the basic premium, you should expect a plan that covers diagnostic tests, surgeries and prescription medications following an accident. Most cover 80 percent of the bills you receive.
Pre-existing and Congenital Conditions are Rarely Covered
If your pet has a pre-existing condition such as cancer or Cherry Eye, don't expect to find pet insurance companies that will offer a rate quote. When you compare pet health insurance companies, you'll find few cover these conditions. It's simply too expensive a route for them to even consider.
Many offer riders that cost extra if you want a hereditary condition covered by pet health insurance. Be aware of the limits that they put on these riders and make sure you have the coverage limits that necessary for improving your pet's health. PetFirst is one that does offer addition rider coverage for a genetic predisposition to specific health issues.
Embrace medical pet insurance is one of the rare companies that does offer coverage on congenital disorders. If you have a pet with a genetic predisposition towards a disease, they're worth looking into.
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