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    * Fetch
    * Pumpkin
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TOP 10 PET INSURANCE PLANS OF 2022


BEST PET INSURANCE PLANS FOR YOUR PET! READ OUR REVIEWS AND ARTICLES TO CHOOSE
THE BEST PLANS FOR YOUR PET

Last Updated November 2023
Advertising Disclosure


TOP 10 PET INSURANCE PLANS OF 2022


BEST PET INSURANCE PLANS FOR YOUR PET! READ OUR REVIEWS AND ARTICLES TO CHOOSE
THE BEST PLANS FOR YOUR PET

Last Updated November 2023
Advertising Disclosure


TOP 10 PET
INSURANCE PLANS OF 2022


BEST PET INSURANCE PLANS FOR YOUR PET!

Last Updated November 2023

30-Day Money-Back

Claim Offer
9.8
Rate it! (17,456)

Can Help Your Pet

Claim Offer
9.5
Rate it! (21,052)

The Most Comprehensive Insurance Coverage

Claim Offer
9.2
Rate it! (31,776)
1

1
Over 1437 people chose this site today
9.8
Outstanding
Rate it! (17,456)
9.8
Rate it! (17,456)
Outstanding


30-DAY MONEY-BACK GUARANTEE*

30-DAY MONEY-BACK GUARANTEE*

Build your own budget friendly plans
Up to 90% reimbursement on vet bills
VetAccess 24/7 pet tele-health helpline


View Site
2

2

9.5
Excellent
Rate it! (31,776)
9.5
Rate it! (31,776)
Excellent


THE MOST COMPREHENSIVE PET INSURANCE COVERAGE IN THE INDUSTRY.

THE MOST COMPREHENSIVE PET INSURANCE COVERAGE IN THE INDUSTRY

Save $25 or more when you pay quarterly or annually
Recommended by The Dodo, The #1 animal brand in the world
Sign up for FREE. No add-on fees. Cancel anytime.
Accepted by all veterinarians in the U.S and Canada
Rated excellent on Trustpilot (4.5/5)


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3

3

9.2
Great
Rate it! (21,052)
9.2
Rate it! (21,052)
Great


VOTED “BEST FOR COMPREHENSIVE COVERAGE” BY BUSINESS INSIDER

VOTED “BEST FOR COMPREHENSIVE COVERAGE”

Always a 14 day waiting period
90% reimbursement rate (not “UP TO 90%”)
10% multi-pet discount for each additional pet


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4

4

9.1
Very Good
Rate it! (17,456)
9.1
Rate it! (17,456)
Very Good


30-DAY MONEY-BACK GUARANTEE*

30-DAY MONEY-BACK GUARANTEE*

Build your own budget friendly plans
Up to 90% reimbursement on vet bills
VetAccess 24/7 pet tele-health helpline


View Site
5

5

8.9
Very Good
Rate it! (10,937)
8.9
Rate it! (10,937)
Very Good


COVERS 100% OF EXPENSES AFTER DEDUCTIBLES

COVERS 100% OF EXPENSES AFTER DEDUCTIBLES

25% savings with multiple pets
Offers 3 exclusive plans to fit your budget
$100,000 benefit limit to cover all your pet’s needs


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6

6

6.4
Fair
Rate it! (2,469)
6.4
Rate it! (2,469)
Fair


GET UP TO 90% BACK ON VET BILLS

GET UP TO 90% BACK ON VET BILLS

Customize a personal plan to your pet's needs
Get up to 90% back on vet bills


Read Review


CUSTOMER CHOICE

1

1
Over 1437 people chose this site today
9.8
Outstanding
Rate it! (17,456)
9.8
Rate it! (17,456)
Outstanding


30-DAY MONEY-BACK GUARANTEE*

30-DAY MONEY-BACK GUARANTEE*

Build your own budget friendly plans
Up to 90% reimbursement on vet bills
VetAccess 24/7 pet tele-health helpline


View Site


STORIES FROM OUR COMMUNITY

Fetch is the best! I took my little poodle for a regular checkup after I found a
little blood in her urine. After a few tests the doctor confirmed that he had
stones in his bladder and that he needed a small operation to remove them. My
vet performed the surgery and my dog was back to his happy and healthy self.
This was the first time I made a claim and the expenses were settled by Fetch
within a few days. Thank you for the services!



GRACE LEPLEY – FETCH

Sacramento, California

This is my second time writing a review for pumpkin, don’t know why the first
post never got posted! Well, I never had a pet earlier but it’s amazing to have
your little pup waiting for you at the doorstep every day. I got Snow as a gift
from my friend and she also suggested Pumpkin pet insurance for covering snow’s
health needs. The entire situation was very new to me so I called their toll
free number and asked my list of questions to their representative. Their
customer service team was so understanding and helpful. I am really grateful to
their entire team for answering the queries and helping me choose the most
suitable plan. I have never had any problems with them. I am definitely going to
recommend them to anyone who has a small pup or cat!



STEVE JEFFRY – PUMPKIN

Norfolk, Virginia

Spot turned out to be a boon for me and my pet dog, Hunk! I purchased Spot’s
services right after I had adopted Hunk and never had to file a claim ever.
However, when he met with an accident and injured his foreleg, Spot rightfully
covered the surgery expenses. I didn’t have to pay a single dollar and that
really helped pull off a lot of stress from my mind. Within months, Hunk was
back to good health, running around our backyard like before. Thank you again!



MART CASEY – SPOT

Mississipi


ABOUT PET INSURANCE

Pet insurance in the recent years, has become a necessity for everyone who owns
a pet. If you have ever taken your injured or sick pet to a vet or have paid
your pet’s medical bills, you will definitely know the importance of having a
pet insurance policy. However, it is more important that you choose a plan that
offers coverage to almost all health and wellness needs of your little fur
friend. A good pet insurance plan allows you to choose the best veterinary and
wellness care facilities for your pet without you having to worry about
finances.

With a good pet insurance policy, you may simply need to pay $500 annually or
$40 per month or even less for a basic coverage plan. In return, your pet will
receive good emergency care services that otherwise may cost a few hundred or
thousand dollars, straight out of your pocket. A good pet insurance policy will
cover even expensive treatments such as cancer radiation therapy, surgery and
basic prescription medications.

There are some pet insurance providers that also cover preventive care services
such as wellness visits and vaccines. However, many insurance companies do not
cover pre-existing health conditions like hereditary health problems.

A good pet insurance plan gives you complete peace of mind, irrespective of
whether or not your pet falls sick or suffers an injury that may force you to
use pet insurance services. Without a plan, you may simply end up having to pay
a costly

bill or make compromises on your pet’s health.

Sign Up For FREE, Cancel Anytime.

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PET INSURANCE – HOW DOES IT WORK?

Once you have decided to purchase a chosen pet insurance plan, you need to pay a
pre-determined monthly premium for your pet’s health coverage. After a
qualifying visit to your veterinary, you will need to submit the receipts to
your pet insurance provider for a reimbursement. Almost all pet insurance
companies make direct fund deposits into your bank account. However, there are a
few that ask for reimbursement check.

You can file a claim for your pet’s needs, but only after you have paid an
initial premium. Some pet insurance providers have a small waiting period before
the policy starts covering your pet’s health and wellness. There are companies
that also have deductibles upto $1,000. In such cases, the pet insurance company
will ONLY pay for the eligible or pre-mentioned care and treatments after you
have reached the deductible amount.

So, when you file a claim, your policy will refund you the decided percentage
which is usually between 50-90% of the total amount. Also, your pet’s health and
care may be subjected to an annual cap. As a result it is best suggested that
you get a good pet insurance plan for your pet when he/she is young and healthy.


CHOOSING THE BEST PET INSURANCE POLICY FOR YOU?

With the market full of pet insurance providers, choosing a good pet insurance
company gets a little confusing. So what do you do?

 * Look for an all-inclusive pet insurance policy that covers your pet’s
   complete or unique health needs. For instance, you may look for a coverage
   plan that covers dental care, breed-based or hereditary conditions or even
   behavorial problems. You may also choose wellness policy that can cover your
   new kitten or puppy throughout its adulthood. However make sure that you
   review the available plans and coverage before you finalise the company.

 

 * Check for add-on coverage services that may enhance your pet’s policy. This
   allows you to purchase certain supplemental insurance services such as exam
   fees, prescriptions meds or food, examination fees, vaccines or other routine
   care.

 

 * Also check the pet insurance cost as it usually varies due to several
   factors. For instance, if you live in an urban area, you will end up paying
   more fee than that in a rural area. Also, you can save more by purchasing a
   good pet insurance plan during your pet’s earlier years. Moreover, your
   premium amount will be more if you have a male pet or a larger breed.

 

 * For a more accurate quote, make sure that you provide detailed information
   about your pet. You need to provide a complete medical history of your fur
   friend, its age, breed and more. Other details you need to provide include
   your address and some other personal details as per the requirements. Almost
   all pet insurance companies offer you online quotes while also administering
   claims online.





FREQUENTLY ASKED QUESTIONS

Is pet insurance eligible everywhere?


You can use a pet insurance plan at any veterinary hospital as most policies
make you pay the bills from your pocket. The reimbursement cost is directly
refunded by the insurance company into your associated bank account. The
veterinary hospital only helps in providing treatment and receipts based on your
pet’s condition. There are certain insurance policies that offer discounts to
the users for using veterinary hospitals that are associated to their network.

What does a basic pet insurance policy cover?


Every policy has its own list of coverage and terms. Usually, a basic pet
insurance plan will cover the costs that are related to your pet’s illness and
accident such as diagnostic tests, surgeries, medications, surgeries and
treatment. There are some plans that cover breed based hereditary problems,
chronic health issues like diabetes, behavorial issues and preventive care.

What conditions are not covered by pet insurance?


Generally, pet insurance companies do not provide coverage to pre-existing
health conditions. Also, you cannot file a claim for the treatment expenses of
an illness that your pet suffers from prior to your purchasing the policy.
Hence, it is important that you read the insurance policy and the treatments
covered carefully as it will not cover anything that is not mentioned in its
terms.

When must one buy a pet insurance?


It is ideal to purchase a pet insurance plan when your pet is young. This will
cost you less money than that when you pet is older. This also ensures that your
pet is covered perfectly for all medical conditions that may occur in a pet’s
life. You will not be eligible to purchase a policy if your pet is sick or
injured. Instead, you will be forced to pay the bills straight from your pocket.


MUST READS

FIRST AID REMEDY FOR PETS



 



Do you know what to do if your pet gets injured or involved in an accident? When
you get injured, you know that you should clean the wound or put a hot and cold
compress on the injured area. However, pets don’t exactly tell you when they’re
feeling pain and they may even try to hide it. If you do notice that they’re
nursing a wound or cut, it’s important to take action immediately.

Read More

11 TIPS TO KEEP A HEALTHY PET



 



We all want our pets to live long and happy lives and stay with us to give joy
and companionship. But this is only possible if you work for it. It’s not enough
to give love and affection to your pet; you also need to prioritize keeping them
in good health. By focusing on your pet’s health, you will enjoy more time with
them as you grow old together. Whether you have a pet at home or are still
deciding whether to adopt one, consider these tips on how to keep your pet in
excellent health.

Read More

WHY SPAYING/NEUTERING IS THE BEST OPTION FOR YOUR PET?



 



The lifespan of spayed and neutered pets is noticeably longer than those that
are not. According to a study from the University of Georgia, a spayed female
dog had a longer life expectancy by 26.3% and a neutered male dog was at 13.8%
longer. The average lifespan of unfixed dogs was 7.9 years while altered dogs
had 9.4 years. The study was based on more than 70,000 medical records of animal
patients.

Read More


READ OUR LATEST NEWS


FINDING THE BEST INSURANCE PLAN FOR YOUR PET

Sharon ClarkSeptember 5, 2022
We’ve gathered, compared, and ranked the biggest names (or claim to be) in pet
insurance so you can give your ...


FIRST AID REMEDY FOR PETS

Sharon ClarkSeptember 5, 2022
Do you know what to do if your pet gets injured or involved in an accident? When
you get injured, ...


PRE-EXISTING CONDITIONS: FIND A PLANT FOR YOUR PET

Sharon ClarkSeptember 5, 2022
Pre-existing conditions are defined as any present health issue or condition
diagnosed before the start of your pet insurance coverage. ...


PET WELLNESS PLANS: COP OR DROP?

Sharon ClarkSeptember 5, 2022
Insurance is also available for pets that can save their owner’s pockets from
veterinary bills when became ill or injured. ...


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