Your cat or dog deserves the best treatments, and responsible pet parenting involves being prepared for emergencies and illnesses. Many insurance providers offer affordable plans that can save you thousands of dollars in unanticipated treatment. Some of the best pet insurance providers are listed below. They offer generous coverage, flexible deductibles and premiums, and typically transparent plans. Moreover, features like add-on riders, multiple pets, and preventive care coverage can all reduce expenses.

Spot

Several magazines and evaluation agencies give Spot 4.5/5 ratings, and rightly so. Depending on your plan, you can get coverage from $2,500 to unlimited, with reimbursement up to 90%. You can choose deductibles from $100 to $1,000 (subject to your needs). Spot is flexible and is best for the coverage choices, making it customizable to your budget and needs. Another bonus with Spot is that the plans cover office visits and microchipping apart from the common illness and accident visits. You can choose from many wellness plans and get 10% off for multiple pet insurance plans. Be warned, however, the waiting period for accident coverage is 14 days, as opposed to other providers that offer coverage for only 2 or 3 days.

Pet Assure

Pet Assure is another top name among pet insurance brands. There are a number of discount plans starting at $99 each year. Additionally, there is no deductible or annual limit. Its low cost and flexibility make it attractive to pet parents. You can make use of the low monthly fees and cover any pet, like dogs, lizards, cats, or guinea pigs of all ages and sizes.

Furthermore, there is no waiting period, and they pay for pre-existing conditions, too. But coverage is limited to in-network veterinarians, and prescriptions are not covered. Note that only 25% of costs are usually covered. Check out the Family Plan for $16.95 per month or the Unlimited Plan for $21.95 per month to save money!

Hartville

Hartville offers the best policies for older dogs. The coverage includes accidents and illnesses, and the price starts from $138. Depending on your plan, you can get deductibles from $100 to $500. You get a one-month trial period with numerous online resources. You can also get 10% off per pet if you have multiple pets. Sadly, the high premiums and long wait periods require careful consideration. Apart from hereditary conditions, cancer, and behavioral health, exam fees, MRIs, ultrasounds are all included. There is no specific network of service providers, but unfortunately, there is a waiting period of 14 days.

ASPCA

The American Society for the Prevention of Cruelty to Animals or ASPCA is a well-known pet insurance provider that offers accident-only, accident and illness, and preventive care for cats and dogs. Further, you can also insure horses in certain states. It is best known for its coverage of hereditary and congenital conditions and the lack of an age limit for enrollment. Curable pre-existing conditions are covered, provided your pet is symptom-free for 180 days. Additionally, stem cell therapy and microchipping are also covered in this pet insurance. Unfortunately, processing claims take 30 days, and monthly payments include a transaction fee.

Lemonade

Lemonade is a perfect pet insurance company for puppies and kittens. They process insurance claims unbelievably quickly. You can get claims approved in seconds on their novel AI-powered mobile application without needing to file cumbersome documents. Like most other companies, you can avail multiple pet discounts, but you can also bundle it with homeowner insurance. Visit the Lemonade website to ensure your hometown is in one of the 36 states where they offer coverage. A large portion of the payments goes to pet-related charities that you can choose from. There is, however, no “free look” period, and the rates depend on your credit scores. Lemonade also covers vet exam fees and alternative treatments like acupuncture.