What’s the Best Pet Insurance for Puppies?
Welcome to the fam, your new fur-bundle of joy! Getting a puppy was all fun and games until the quick realization that… well… they’re expensive. Between one-time bills like spaying or neutering and recurring costs like vaccines and heartworm prevention, suddenly it’s like someone is popping small holes in your perfectly happy, new-puppy bubble. That’s where pet insurance comes in. We’ve weeded through the best deductible options, the best (and worst) reviews and the best coverage to bring you our number one choice for pet insurance for pups.
What is pet insurance and how does it work?
Pet insurance reimburses you for a range of medical expenses you may incur if your pet gets sick or gets into an accident. Unlike many health insurance plans for humans, pet insurance companies do not pay the vet directly. Instead, you pay for all costs and then submit a claim with your receipts to your pet insurance provider. They will then reimburse you for any costs they cover under your plan.
Do I need pet insurance?
When you bring home a puppy, you don’t usually think anything will or could happen to them. I mean, puppies are the best! We get it. Your pup is an indoor dog… What if they just aren’t accident prone and only need the basic medical exams and treatments? But just like with humans, you never know what could happen and you want to be financially and emotionally prepared for anything. Knowing that you would be covered if accidents or unexpected illnesses where it happens is as reassuring for your mind and soul as it is for your wallet. We do this for ourselves, so why not our pups, too?
So, which pet insurance company is the best for puppies?
We’ve done the hard work for you and narrowed it down to what we (and many others) truly believe to be the best option to insure your pup: Prudent Pet. They’re a newer pet insurance company, established in 2018. However, they’ve definitely proven themselves in that time.
We’ve broken down the most important aspects to think about when choosing an insurance company for your pup to let you know why Prudent Pet is a great choice.
1) Pet Insurance Coverage
With Prudent Pet, as with many other pet insurance companies, you have the option to choose what coverage you’d like. While most options cover both accidents and illnesses, you do have the option to choose an accident-only plan if you want. What sets Prudent Pet apart from some of the big names out there (like Healthy Paws, for example) is that they cover some things many pet insurance companies don’t, like behavioral issues (destructive chewing, for example) and even have options for preexisting conditions.
That last part is a HUGE deal as most standard pet insurance policies do not cover preexisting conditions at all.
2) Average Cost of Pet Insurance
Excellent coverage is all good and well, but not if it costs an arm and a leg. Thankfully, Prudent Pet has competitive rates, especially for younger dogs (AKA your new bundle of joy.) They allow you to customize a plan so pet insurance can easily fit in your budget (on average, people pay about $50/month for good coverage.) They even give you a free quote to preview cost based on your zip code, your dog’s breed and age.
3) New Company
Why trust a new company, rather than a long-established one like ASPCA? Simply put, being a new company in a market means you have to work hard to stand out from the competition. That’s where competitive pricing and coverage comes into play. I mean, who doesn’t associate ASPCA with cute animals? While they have some great insurance options as well, they also have that strong brand recognition to carry them through. With a new company that entered into an established market, you know they had to work hard to get in and Prudent Pet is truly proving they’re here to stay.
4) Customer Reviews
More than all of the industry jargon you can read on a website, you want to hear from real people who have used this company and gotten real results. Look no further. Despite being a new pet insurance company, Prudent Pet has tons of reviews, with the vast majority being above 4 stars from sources like TrustPilot and petinsurancereview.com. What really made these reviews stand out from others is the number of reviews praising Prudent Pet for their transparency and lack of hidden fees; two things that seem to be missing among many of their competitors.
Getting a puppy is exciting and the expenses that come along with that shouldn’t have to weigh you down. The best way to keep you both happy is to give back the thing we love most about being dog owners – unconditional love. The best way to do that? Insure your pup and ensure a long, happy and healthy life.
Also Read: Does Pet Insurance Cover Antibiotics?