Choosing the Best Pet Insurance in 2022

Did you know that about 90.5 million families in the United States own pets? That’s 70% of U.S. households. And if you come across this article, you’re probably part of that number.

You want what’s best for your furry babies as a pet parent, right? You feed them the best food, take them to the best vet, and ensure they get plenty of exercise and love.

But what about when they get sick or have an accident? That’s where pet insurance comes in.

Choosing the best pet insurance can be daunting, but we’re here to help. Read on!

The Benefits of Pet Insurance

Nothing feels better than sleeping at night at peace, knowing you’re prepared for anything. Here are the two most important benefits of pet insurance.

Protect Your Pet

You surely don’t want this to happen, but if your pet gets sick or injured and you don’t have savings, you might suddenly lose your pet. Getting them insured means protecting and saving them from potential life-threatening accidents and injuries.

Save Money

Perhaps the most crucial benefit is that it can help you afford unexpected veterinary bills. Veterinary care is expensive, and pet insurance can help you pay for it without breaking the bank.

Common Types of Pet Insurance

There are a few types of pet insurance coverage: accident only, comprehensive, and wellness. You can do online research or consult a veterinarian to know which type is best for you.

Accident-Only

Accident-only coverage will reimburse you for veterinary bills if your pet is injured in an accident or ingests something poisonous.

This coverage is typically the cheapest but will not cover illnesses or routine care. For comprehensive coverage, you will need to choose a policy that includes accident and illness protection. 

Comprehensive 

Comprehensive coverage will protect your pet not only if they get sick or injured but also cover preventive care, routine care, and alternative treatments.

This type of coverage is essential because it will help keep your pet healthy and give you peace of mind in knowing that you are covered if something happens to your pet.

Wellness Coverage

The third common type is wellness coverage, which helps offset the cost of preventive care, like annual exams, vaccinations, and routine testing. Some policies also offer a different range for things like boarding and grooming.

Other Types of Pet Insurance 

Dental Care

Many pet insurance policies cover dental care. This can help offset the cost of routine cleanings or more serious dental procedures.

Prescription Medicines

Some pet insurance policies cover the cost of prescription medications. This can be helpful if your pet requires a regular cure for a chronic condition.

Alternative Therapies

These policies cover the cost of alternative therapies, such as acupuncture or chiropractic care.

Boarding

Some pet insurance policies will reimburse you for the cost if you need to board your pet while you’re away.

Lost Pet Services

Some pet insurance policies will help cover the cost of advertising and a reward if your pet gets lost.

Comparing Pet Insurance Policies

The best pet insurance policy in 2022 may vary depending on your individual needs and your pet’s health and age. Some things to keep in mind when choosing a pet insurance policy include:

Does the policy cover preventive care, routine screenings, and vaccinations?

What is the coverage limit per year?

What is the deductible?

Does the policy have any age or breed restrictions?

What is the company’s financial stability and customer service rating?

It is important to compare pet insurance policies to ensure that you are getting the best coverage for your pet. 

Is Your Pet Qualified for Insurance?

Pets commonly covered by insurance are cats, dogs, rabbits, guinea pigs, and reptiles. There are a few policies that will also protect birds and small mammals.

Different pets may have varying health conditions. As a pet owner, you should know your buddy well before choosing an insurance policy. For example, guinea pig insurance covers health conditions such as arthritis, bladder infection, and tumors. 

How Much Does Pet Insurance Cost?

Many factors affect how much pet insurance costs: the type, age, and location of the pet, as well as the insurance company that offers the service. 

Some policies can be as low as $20 per month, while others can be over $100. Shopping around and comparing rates is important to find the best for your budget.

Avoid Pet Insurance Scams

Many companies claim to offer pet insurance, but few do.

To avoid being scammed, do your research and only choose a reputable company. Also, be sure to read the fine print and understand precisely what is and is not covered by the policy.

A good pet insurance policy will cover unexpected accidents and illnesses and have a reasonable deductible. Being an informed consumer means you can avoid being scammed and find the best pet insurance for your needs.

So, Is Pet Insurance Worth It?

The short answer is yes.

The longer answer: that depends on a few factors. First, consider whether you can afford the monthly premiums.

Second, think about whether you’re likely to use the coverage. You might not need pet insurance if you live in a rural area, and your pet is unlikely to get sick or injured. On the other hand, pet insurance might be a good idea if you live in a city and your pet is more prone to health risks. 

Whether or not to get pet insurance is up to you; just don’t forget to consider your needs and budget.

Choose the Best Pet Insurance for Your Needs

There are a lot of pet insurance companies out there, and it can be hard to decide which is the best for you and your pet.

We hope that this guide we’ve made will help you in choosing the best pet insurance today.

Are you looking for more helpful tips on taking care of your pets? Check out the rest of our site!