To find the best pet insurance we reviewed each companys policy wording and used data provided by PetInsurer.com to score each pet insurance company based on the following:
Pet insurance rates: 40% of score. We calculated average rates for plans with $5,000 or unlimited coverage, a $100 deductible and an 80% reimbursement level, or the closest options available.
Special waiting period: 10% of score. Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of six months or less, or the ability to have the waiting period waived scored higher.
Direct payment to vet: 10% of score. Pet insurance companies that have the ability to pay a vet directly earned points.
24/7 vet health line: 10% of score. Insurers that provide access to a 24/7 vet health line scored in this category.
Routine wellness plans: 10% of score. Insurers that offer wellness plans, either included with a plan or as a rider, earned points.
Dental coverage for illness: 10% of score. While most insurers cover dental accidents, not all insurers cover dental illnesses, such as gum disease or cleanings. Plans with more extensive dental coverage scored higher.
Pet ownership assistance: 5% of score. Insurers that include coverage for pet owner expenses, such as advertising and reward for lost pets, boarding for medical emergencies, end of life expenses and/or vacation cancellation, scored in this category.
Any discount: 5% of score. Insurers that offer any kind of discount, including a multi-pet discount, healthy pet discount, loyalty discount, etc., earned points.
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Pets Plus Us Pet Health Insurance Review 2023 Forbes Advisor ... - Forbes