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Pet Insurance Demystified: The Simple Dollar's Best Pet Insurance For 2016

Pet Insurance Demystified: The Simple Dollar's Best Pet Insurance For 2016

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Pet insurance: yay or nay? Benefits? Drawbacks? Does it actually WORK? Those questions have likely crossed every pet owner's mind at some point and thankfully, the folks over at The Simple Dollar have generously shared with us their research on the topic! Read ahead for benefits of some of the pet insurance providers out there today.

Did someone say “vet”??!?!?!?

Did someone say “vet”??!?!?!?

These are all factors that they took into consideration when researching the best pet insurance companies. At the top of the list were medical and wellness coverage inclusions, such as:

  • The species of pet
  • Accidental injuries, emergency visits & hospitalization
  • Medications and treatment of more serious illnesses like cancer
  • Chronic and congenital conditions
  • Lab tests including x-rays and imaging
  • Surgery and rehab
  • Ability to choose your own vet

The most important inclusions they looked for were:

  • Dental cleaning
  • Fecal screening
  • Heart worm tests
  • Microchipping
  • Spay & neuter procedures
  • Vaccines
No, really, my teeth are fine!

No, really, my teeth are fine!

The researcher looked at every nationally available provider and received quotes for his one dog and two cats. These plans all meet the above criteria - here are their top 4:

1. PetFirst Pet Insurance

  • Pays 90% of your bill
  • Unlimited lifetime benefits with an annual deductible (no matter how much care your pet needs, your policy will help cover it)
  • Covers periodontal disease for dogs (no other provider does)

2. Nationwide Pet Insurance

  • Covers up to 90% of your vet bill
  • Currently the only provider in the U.S. to offer an avian and exotic pet plan
  • If you already have a Nationwide Insurance policy for your human needs, you'll save 5% on your pet insurance policy

3. ASPCA Pet Insurance

  • Covers up to 90% of your vet bill
  • No maximum age of pet allowed to be insured
  • No maximum annual benefit (but there are per-incident benefit limits, ranging from $2,500 to $7,000)

4. Embrace Pet Insurance

  • Covers up to 90% of your vet bill
  • 5% discount for paying your premium in full annually
  • No deductible or copay for any routine care procedures with the wellness plan, and there's no waiting period before being able to use this benefit
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Sure, pet insurance is an added expense but it may benefit you at a time your pet needs it, potentially savings you cash in the long run. Read more on how they came to their conclusions here, and let us know your thoughts about pet insurance in the comments!

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