Top 5 US Plans

Each of these top 5 US pet insurance providers has an A+ rating with the Better Business Bureau. While there are other companies out there that do a good job, our research led us to the following five:

**ASPCA Pet Insurance**

( 1-888-861-9092 )

The ASPCA is one of the oldest and best recognized organizations for animal protection and care.
They have been in business for over 140 years helping pet owners to improve the health and welfare of their animals. They have an impeccable record to say the least. Their customer service is second to none, and when we checked them out, found plenty of customer written testimonials, verifying this. ASPCA also allows you to use any licensed vet in the US or Canada! This is a major plus, especially if you already have a vet you can rely on and have established a good relationship with, or if something were to occur while traveling with your pet.

One item of particular interest is their more advanced vaccine coverage. With their higher level program this covers bordatella, lyme disease, feline leukemia, and even feline infectious peritonitis. They also offer a 30 day money back guarantee, as well as the ability to file a claim by fax, e-mail,or snail-mail.

    • Get reimbursed 80% of usual and customary covered charges
    • Only meet a low $100 annual deductible per year
    • Use any licensed veterinarian in the US or Canada
    • Track claims and update information easily online
    • Multiple pet discount
    • BBB rating = A+
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**Embrace Pet Insurance**

( 1-800-511-9172 )

Embrace is certainly not the oldest company out there, but has become one of the most respected in the time they have been around! The company was started by a couple of graduates from the Wharton MBA program, Laura Bennett and Alex Krooglik, between July of 2003 and August 2004. One of the points we found in our research which really impressed us was their 9 point  ’Customer Bill of Rights’ which helps immensely when the inevitable odd situation or question arises. They empahsize the option to get the CEO of the company involved in order to satisfy their customers! Embrace also gives back to the community of pet care by donating $2 for every policy sold to various pet-related charities. We found quite a few cutomer testimonials that were very complimentary to Embrace!  They started offering  a ‘wellness plan’  in 2009 that has no deductible, co-pay, or waiting period and is flexible and easy to use.

  • Full Coverage Plan
  • Accident Plan
  • Catastrophic Pet Insurance
  • Drug & Dental Plan
  • Wellness Rewards
  • Genetic & Breed-specific Conditions
  • Chronic Conditions
  • Cancer Treatment
  • Alternative Therapies
  • ER & Specialist Care
  • Pre-existing Conditions
  • BBB rating = A+
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    **Hartville Pet Insurance**

    ( 1-800-799-5852 )

Hartville has a great reputation and is actually a partner with ASPCA that put together the insurance product for ASPCA Pet Insurance. The 4 levels of coverage they offer: accident, illness, wellness, and wellness plus; help pet owners to afford coverage within their respective budgets. Similar to ASPCA, they have a 30 day money back guarantee. The accident and wellness coverage begin as soon as your plan is in effect. The illness coverage normally begins after 30 days. Like ASPCA, they allow you to use any licensed vet in the US or Canada. In addition, this company also offers a multi-pet discount.

  • Reimburse 80% of usual and customary covered charges.
  • Low $100 annual deductible per pet.
  • 4 increasing levels of protection – accident, illness, wellness, and wellness plus.
  • optional coverage for ongoing conditions.
  • BBB rating = A+
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    **VPI Pet Insurance**

    ( 1-888-899-4874 )

VPI has been around a good while, and actually helped the industry of pet insurance to get started in the US. Since 1982 they have helped insure over one million animals. We were impressed that the company was partly founded by veterinarians,as well. This company also insures exotic pets, which are becoming more popular in some areas. They have  great customer service and that department alone has over one hundred employees in it. Their plans are very customizable and you can choose your deductible within a range of $100 to $1000.

  • Coverage is based on a benefit schedule, not on hidden “customary and usual” fees.
  • Exotic pet coverage
  • Continuous coverage at no additional charge.
  • Keep seeing your same vet.
  • Send them the bill, they send you a check.
  • BBB rating = A+
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    **24Pet Watch Pet Insurance**

    ( 1-866-275-7387 )

24Pet Watch offers very flexible options within their plans, in order to meet  the varying needs and budgets of their customers.  They will work with you to find the type of plan you need. Whether it is the cheapest, or the coverage is for all accidents and illnesses, wellness only, or what have you. They will even put together a policy that will re-imburse you for costs incurred if a travel resvervation has to be cancelled for a last minute emergency!

  • Unlimited lifetime accident coverage.
  • Up to $72,000 (dog), $60,000 (cat) lifetime illness coverage.
  • Coverage for hereditary conditions available.
  • No coverage restrictions based on out-dated limits.
  • Premiums and deductibles DO NOT increase due to pet aging.
  • Guaranteed acceptance into a 24PetWatch program for all cats and dogs regardless of age or current health.*exclusions may apply
  • BBB rating = A+
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