Best Pet Insurance for Speciality Coverage

Best Pet Insurance for Speciality Coverage

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Top 5 Best Pet Insurance for Speciality Coverage

Medications, food, therapy, acupuncture. You want pet insurance that includes all the little things that will make your pet happy and healthy. Any company can offer regular pet insurance, but providing specialty extras is a great way to know which companies truly care about animals. With the companies on this list nothing is off the table. In fact, you may even start to get jealous of the health care your pet receives.
Any company can offer regular pet insurance, but providing specialty extras is a great way to know which companies truly care about animals. #insurance #pets #specialty

Rated #1

24PetWatch

Rating:

      6.9/10

A good supplemental insurance provider.

24 PetWatch Pet Insurance Review
Starting at: $19.00 /mo

Dog owners will average $31 per month for a small dog, $34 per month for a medium-sized dog, and $37 per month for a large dog. Cat owners will average $19 per month.

*Sample pricing based on a 2 year old mixed breed pet from Michigan with a $100 deductible and 80% reimbursement level.

Chiropractic care, medications, acupuncture, physical therapy, and therapeutic diet are all included with 24PetWatch. What more could you even hope for as an owner? With this coverage your pet will be able to have the best of everything and will never be left wanting. This will translate to less problems as they get older, which will mean lower vet bills for you.

All of this is included with 24PetWatch’s main plan, since they do not offer any add-ons. That means this coverage is available at no additional cost.

A Few Details about this Insurer:

Owners can expect to pay $19/month for cats and $34/month of dogs. However, prices vary greatly based on deductibles and yearly limits.

Deductables: $100, $250, $500, $1000 Per Incidence Limits: No Limits
Co-Pay Coverage: 80% Annual Claims Limits: no limits
Minimum Enrollment Age: 8 Weeks LifeTime Claims Limits: $1,500, $3,000, $5,000, $10,000, $20,000
Maximum Enrollment Age: None Effective Date: 12:01am the day after enrollment

Want even more coverage? 24PetWatch has a “Lost Pet Recovery Service” that will help you find you pet if they ever run away.

Rated #2

PetFirst

Rating:

      8.31/10

An insurer for multi-pet households.

PetFirst Pet Insurance Review
Starting at: $25.00 /mo

average estimate would be $30/month for small dogs, $40/month for medium sized dogs, and $48/month for large dogs. Average price for cat owners is around $25 per month.

*Sample costs based on a 2 year old mixed breed from Michigan with a $250 deductible, 80% reimbursement level, and $10,000 annual limit.

The runner-up for Best Specialty Coverage is PetFirst, a company that offers affordable plans and broad coverage. While lacking some of the options of 24PetWatch, PetFirst also provides reimbursement for alternative care options such as acupuncture and chiropractic care as part of their main plan. Unlike other companies though, both hip dysplasia and congenital conditions are covered.

With PetFirst you will be able to give your pet the special coverage they deserve, at no extra cost to you.

A Few Details about this Insurer:

Owners should expect to pay around $40/month for dogs and $25/month for cats for an annual limit of $10,000. Remember that PetFirst provides specialty coverage as part of their main plan, so you will not have to purchase an additional add-on to receive extra coverage.

Deductables: $0 Per Incidence Limits: No Limits
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 8 Weeks LifeTime Claims Limits: $5,000, $10,000, $20,000
Maximum Enrollment Age: None Effective Date: Midnight (EST) after enrollment

Want to save even more? PetFirst offers a family plan package for owners who register 2 or more pets with them that save customers around 30% on the price of insurance.

Rated #3

PetPlan

Rating:

      7.91/10

Strong brand, few restrictions.

Pet Plan Pet Insurance Review
Starting at: $25.00 /mo

$38/month for dogs and $25/month for cats on average.

*Sample prices based on a 2 year old mixed breed from Michigan with a $100 deductible and 80% reimbursement level.

Not only does PetPlan offer some of the best insurance plans for accident and illness, they also provide good specialty care for when a more holistic approach is needed. Both chiropractic care and acupuncture are offered, as well as behavioural therapy for when your little trouble-maker is misbehaving.

Just like the 2 previous positions, PetPlan includes specialty care as part of their main plan. This leads to more money in your wallet, since you won’t have to pay for additional protection.

A Few Details about this Insurer:

To receive all of this coverage owners only pay an average monthly fee of $38 for dogs and $25 for cats. There are also no lifetime limits with PetPlan, so you will never have to worry about coverage being denied.

Deductables: $100, $125, $150, $175, $200, $225, $250, $300, $500, $1000 Per Incidence Limits: No Limits
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, No Limits
Maximum Enrollment Age: None Effective Date: Day after purchase.

Like being reimbursed quickly? PetPlan is extremely fast at processing claims and can usually reimburse clients in as short as 5 days.

Rated #4

Embrace

Rating:

      8.3/10

High quality customer service and expansive coverage.

Embrace Pet Insurance Review
Starting at: $22.00 /mo

Embrace only has 1 main plan, and it will cost cat owners $22/month.

*Sample price based on a 2 year old mixed breed male from Michigan with a $10,000 annual limit, $300 deductible, and 80% reimbursement level, with the "rx drug coverage" included as well.

Embrace offers great plans and fantastic customer support, and if that wasn’t already enough they also provide specialty coverage included with their main plan. They offer reimbursement for treatment of hip dysplasia (as long as the condition was not pre-existing), plus alternative therapies like chiropractic and acupuncture treatments.

As with all of the companies on the list so far, this specialty treatment comes included with the price of a main plan and does not require the purchase of an extra add-on.

A Few Details about this Insurer:

The cost of receiving insurance with Embrace is $37/month for dogs and $27/month for cats. Embrace also has no lifetime limits, so you do not have to worry about exceeding a limit and losing coverage.

Deductables: $200, $300, $500, $1000 Per Incidence Limits:
Co-Pay Coverage: 65%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: $5,000, $10,000, $15,000
Maximum Enrollment Age: 14 Years Effective Date: Day after purchase

Like saving money? If you are an active member of the military, are registering more than 1 pet, or choose to pay your premium annually, you will receive a 5% discount on your premium with Embrace.

Rated #5

PetsBest

Rating:

      8.3/10

Offering maximum coverage for pet owners.

Pets Best Pet Insurance Review
Starting at: $18.00 /mo

Average cost for dogs would be $35/month and cats would pay an average of $22/month.

Pricing is based on 4 factors: Location, age, breed, and deductible and reimbursement level.

Finishing out our list of the Best Insurance for Specialty Coverage is PetsBest. Unlike other companies on our list PetsBest does not guarantee specialty coverage with every plan. However, as long as you do not have their lowest level plan you will have coverage for special treatment. This includes acupuncture and chiropractic treatments, plus rehabilitative care for if your pet is recovering from an injury.

A Few Details about this Insurer:

In order to receive specialty coverage from PetsBest you will have to purchase a plan with a monthly cost between $35 to $52 for dogs and $22 to $32 for cats.

Deductables: $50, $100, $200, $500, $1000 Per Incidence Limits: $5,000, $7,000, $8,000
Co-Pay Coverage: 70%, 80%, 90%, 100% Annual Claims Limits: $100,000, $150,000
Minimum Enrollment Age: 7 Weeks LifeTime Claims Limits: $5,000, $10,000
Maximum Enrollment Age: None Effective Date: The day after purchase.

Like to travel? PetsBest provides global coverage and allows you to take your pet to any licenced vet in the world.

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