Pet Insurance Information
Iowa Veterinary Specialties' Client Care Representatives will be happy to help facilitate preparing your claim, although we can not fill out your claim form or send it to your insurance company. Our Client Care Representatives will make sure you have everything you need to send off your claim (extra invoices, exam forms, discharge information, etc.). Pet insurance companies will require you to pay for the entire invoice, then they will send you a reimbursement check after receiving your pet's claim form.
Iowa Veterinary Specialties does not endorse any specific pet insurance company. We suggest that you research each company and find the plan that works best for you and your pet. Pet insurance companies will not accept claims for pre-existing conditions and most require a waiting period before submitting a claim. Below we've listed 10 of the most popular companies and a little about them.
Healthy Paws has been on the top of many independent reviewers' list as top pet insurance company. They generally payout 70%-90% of the vet bill after the deductible is paid ($50-$500 per year) The monthly costs can be anywhere from $15-$90 for your premium. Healthy Paws does not cover routine care or wellness visits, but can cover alternative or holistic care. Dental procedures are not covered unless it is due to a dental accident or illness. Medications can be covered if prescribed for an illness or accident.
PetPlan was founded in 2003 and has quickly grown as one of the largets pet insurance companies. PetPlan reimburses 80-100% of veterinary costs. They do have an annual limit on how much they will pay annually. the deductible can be anywhere from $50-200 per incident, per year. Monthly premiums can range from $8-60. PetPlan does not cover routine care, but will cover medications if prescribed for illness or injury. Dental procedures are not covered unless due to accident or illness.
Trupanion is a relative newcomer to the pet insurance game. Many veterinary hospitals in the area can offer you a 30 day free trial of the insurance, no strings attached. They will reimburse up to 90% of the veterinary bill and there is no payout cap either per incident or over the lifetime of your pet. They offer a sliding scale deductible where you can pay $0 per incident up to $1000. The amount of deductible you choose affects the price of the monthly premium which can range from $12-90.One thing that sets this apart from from the others (besides Healthy Paws), is that there is no payout cap, either per incident, per year, or over the lifetime. Routine care is not covered. Alternative medicine can be covered by purchasing an add-on to your plan. Like the others, medication is covered in the event of illness or injury. There is no dental coverage unless it is an injury or illness.
Pets Best pet insurance will cover 70-90% of your vet bill after the deductible is paid. Much like Trupanion, you can choose your your deductible to be anywhere from $0 to $1000. Monthly premiums range from $5 to $90. Pets Best does include wellness coverage for an extra fee. It does cover alternative and holistic procedures. Medications are also covered under Pets Best insurance. Unlike the others, routine dental care may be covered under the optional wellness plan for an extra fee. Dental injuries and illnesses are covered.
Embrace pet insurance will cover 65-90% of the vet bill after the deductible is paid. Deductibles can range anywhere from $100 to $1000 depending on the plan you choose. Monthly premiums for Embrace are going to run you around $13 to $100. As with the other insurances, pre-existing conditions are not covered, but Embrace also may not cover hereditary or congenital conditions as well, especially if these conditions are present prior to purchasing the insurance. Wellness coverage is available at an extra cost. Alternative and holistic treatments for injury or illness is covered. Embrace only covers medications given in hospital. In order for them to cover "take home" medications, an extra Rx option is available for a fee. Routine dental care may be covered under an optional wellness package. Dental injuries are covered, though dental illnesses are not.
PetFirst pet insurance pays 70-90% of your vet bill after the deductible is paid which could be $50-$500 depending on the plan. Monthly premiums can run you anywhere from $16-$68 per month. Hereditary and chronic conditions are only covered under some plans. There is an option to purchase wellness coverage for an extra fee. Alternative and holistic medicine is covered, as are any needed medications. Routine dental care is not covered, but PetFirst will cover procedures for dental accidents or illnesses.
ASPCA covers "90% of the usual & customary charges for the treatment." This may not cover everything our facility can provide to ensure your pet is getting the best care possible. Payout caps can range from $2,500-$7,000 depending on the plan you've chosen. Monthly premiums can cost $8-$80 depending on the plan chosen, and your deductible can be $100, $250, or $500 per year. Hereditary and congenital conditions are only covered under certain plans. ASPCA pet insurance can cover wellness visits for an extra fee, as well as alternative medicine. Medications are covered by this company if prescribed for illness or injury. Routine dental coverage may be under an optional wellness package. Dental accidents are covered by ASPCA but dental illnesses are not.
VPI or Veterinary Pet Insurance's reimbursement is determined by a benefit schedule. There is an annual payout limit from $7,000-$14,000 depending on the plan you've chosen. Deductibles run anywhere from $100- $1000 per year. Monthly premium payments range from $12 to $60. Alongside pre-existing conditions, congenital conditions are not covered either. Wellness coverage is available for an extra fee. VPI does not cover any alternative or holistic procedures. They do cover pet medications if they are prescribed for injury or illness. Routine dental care may be covered under an optional wellness package. Dental accidents or illnesses are covered.
AKC reimburses 80-90% of the vet bill. There is a per incident cap of $1,500-$5,000 and also has a lifetime limit of $8,000-$13,000. Their deductible is either $75 or $125 per incident or year depending on the plan. Monthly premiums range for $14-$70 depending on the plan chosen. Pre-existing, hereditary, or congenital conditions are not covered by AKC pet insurance. There is a wellness plan option for your pet. This company does not cover any alternative or holistic procedures or treatments. Some medications, such as heartworm or flea medication, can be covered under the wellness plan. Otherwise, medications for injury or illnesses are covered. Routine dental coverage is available under the wellness option.Dental accidents and illnesses are covered.
24PetWatch reimburses 80% of the vet bill. There is an annual payout limit of $1,500-$20,000 depending on the plan. The deductible can be anywhere from $100-$1,000. Monthly payments range from $11 to $58. Besides pre-existing conditions, certain breed-specific illnesses may not be covered. There is no option for routine or wellness care. 24PetWatch does cover alternative or holistic procedures or treatments. Pet medications are covered if prescribed for illness or accidents. There is no coverage for any kind of dental procedures or treatments.
Click below for a comparison chart of the pet insurance companies. All information was provided from www.petinsurancereview.com