Photo by Krista Mangulsone on Unsplash

Pets are expensive, there isn’t any arguing about that. From buying $30 bags of dog food to buying toys and treats, its a big cost. It seems like a lot – until your pet gets sick or injured. Emergency trips to the vet can cost a couple hundred to a couple thousands of dollars. Pet insurance can help reduce these costs. In this blog, we will explore the different types of pet insurances and what expenses they cover.

To start off, we will discuss the basics. There are two main types of pet insurance available.

Comprehensive coverage covers the most out of the two options including:

  • Accidents
  • Injuries
  • Chronic illness
  • Infections
  • Hereditary issues
  • Diagnostic care
  • Emergency care

This type of coverage covers a lot of the typical health problems that every dog goes through at some point. It is a bit more expensive at it costs on average about $585 for dogs and $350 for cats per year.

Accident-only coverage has less benefits that comprehensive and covers accidents including:

  • Accidents
  • Injuries
  • Bites from animals or insects
  • Swallowed objects
  • Accidental poisoning

This type of coverage is a safety net for any obscure accidents that might happen. While these accidents do happen, they aren’t very common so you might not use it as much comprehensive coverage. This coverage also provides a cheaper price at about $194 for dogs and $126 for cats on average per year.

You can also choose to add more services and coverage for an additional price like plans that would cover your yearly check-ups and shots or dental.

There are also many different pet insurance providers so here is a list of 10 of the best to choose from:

  • Embrace
    • Best For Superior Benefits
  • Pets Best
    • Great For Choices Of Deductible
  • ManyPets
    • Best For Lowest Out-Of-Pocket Claims Costs
  • Figo
    • Great For Short Waiting Period For Accident Coverage
  • Lemonade
    • Best Price For Kittens And Puppies
  • Spot
    • Best For Annual Coverage Choices
    • Great For No Waiting Period For Special Conditions
  • Nationwide
    • Best For Unlimited Wellness Coverage
  • Prudent Pet
    • Great For Extras
  • TrustedPals
    • Great For Service Dogs

All in all, you know your pet best and what they need from their healthcare. If you can afford this extra expense, I would suggest you invest in it as it can save you a lot of money in the long run. Ultimately it is up to you so research the many options and see if it works for you and your pet.