I’ve had nationwide pet insurance for about 6-7 years. $250 deductible, then 70% reimbursement, $7500 annual max. I used to pay $33 a cat per month, but it’s crept up to $58 a cat. Might be because they’re older now (6 & 7 years old), might be because I’ve used the crap out if the plan. Its still great though. Super easy to submit claims. One dental cleaning early in the year hits the deductible right away. Anything catastrophic and I’ll have a little bit of financial relief.
One thing to note, as the other poster had mentioned - best to insure them at a younger age and before any vet diagnosis if possible. Before i had them covered took one cat in when she was 6 months old for some mild URI. Nationwide’s underwriters saw that record and considered it a preexisting condition. Under her policy she is uninsurable for any issue involving the sinus cavities. There is no Obamacare when it comes to pet insurance!!
It’s usually cheaper to enroll when they are younger.
And plans and coverage depend on the providers.
My plan has $250 deductible and 90% reimbursement rate. With $7k coverage per cat per year.
I’ve been happy with Pumpkin. They have a small multi pet discount, but no annual plan, they still make me pay monthly.
The insurance itself only covers accidents/etc with deductible, and everything else it states in it’s coverage beyond any waiting period and barring any pre-existing conditions.
They have an add-on plan that covers flea/tick/heartworm meds as well as a yearly physical/checkup. And one vaccine a year as well.
I get peace of mind for my fur babies and feel less stressed out on my wallet for check-ups.
Can go to whatever vet whenever, they reimburse afterwards.
Easy online claim form.
(Maybe newer plans cover worm testing/2x vaccines please let me know if I’m wrong).
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