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Top 3 things to know about pet insurance:
Decisions about your furry friend's health can be tough. But through our partner, Petplan, you can find reliable coverage for your dog or cat ... in just a few minutes.
Easy as that. Coverage can help pay for your vet bills (which you already know can be pricey).
If your cat or dog goes missing, pet insurance helps cover canvassing and reward efforts for its safe return.
Sometimes vacay plans need to be put on hold for a sick pet. Coverage can help reimburse you for those cancelled trips.
Finding the perfect kennel or doggy hotel can be a chore. So can paying for it. Pet insurance can help cover the cost up to your chosen limits.
See more pet insurance coverages.
Here are some ways you can nab some discounts from our pet insurance partner, Petplan.
Enroll online. Save 5 percent. Done and done.
Got more than one dog or cat? Insure 'em together on the same insurance policy.
See more pet insurance discounts.
In 2016, the North American Pet Health Insurance Association reported that the average premium for Accident & Illness Plans were roughly $41 a month. Not bad. But truth be told, premiums vary widely.
Like all other types of insurance, pet premiums depend on oh-so-many factors, including:
That said, coverage for your Chartreux might be in the range of $16 a month, while a pet plan for your French bulldog could be somewhere around $60. For this reason, it's not a bad idea to shop around and compare quotes — just like you would for health insurance, say, or an auto policy.
It's simple: you pay the vet, send your claim, and Petplan pays you back (up to your chosen reimbursement on your policy).
All Petplan policies cover the treatment your vet recommends to get your 4-legged pal back on its paws after an unexpected illness or injury (up to your policy limits, as long as the condition didn't pre-exist the policy or occur during the policy waiting period).
Treatments your pet could be covered for include:
Filing claims with Petplan is easy and can even be done via their easy-to-use mobile app. Just log in, upload photos of documentation, and hit submit. Simple as that.
Your reimbursement will be based on the actual amount you paid to the veterinary clinic, instead of a benefit schedule or a fee determined by the insurer.
That means you'll never max out per-incident or per-illness caps on coverage — because there aren't any. Instead, there's a simple annual limit of up to $22,000, depending on the coverage package you choose.
Once your pet is covered with Petplan, they're covered for life. While many insurers exclude chronic conditions as pre-existing once the policy term expires, Petplan covers chronic conditions year after year — with no individual price increases based on claims activity — as long as the policy is renewed each year without a break in coverage.
In other words, Petplan never raises your premium just because you've made a claim.
If your pet suffers serious illness or injury, it can be extremely stressful — both emotionally and financially. And costs for treatments like intensive care, meds, tests, and IV fluids can add up quickly. A pet plan, however, could cover most of those costs so you can focus on helping your pet make a a full recovery.
To be sure, there's no one-size-fits all package. As with most insurers (and anything, really), you have to balance quality with quantity. As a trusted Esurance partner, Petplan helps you tailor coverages around the specific needs of your pet so you get quality protection you need.
Find all the answers to your insurance questions here.
Or speak with an insurance agent at 1-800-214-0638.
Petplan pet insurance is administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan) and underwritten in the United States by AGCS Marine Insurance Company, a member of the Allianz Group and North American Elite Insurance Company. Esurance does not underwrite or pay claims for this product. All insurance policies are subject to limitations and restrictions that may vary based on circumstance and state. Read the terms of your policy carefully to learn what coverages are provided under your insurance policy.