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A Look at Pet Insurance CompaniesMany people are purchasing pet insurance policies to cover unexpected and even routine veterinary care for their dogs and cats. It can be difficult to choose between companies, however, without knowing the differences in plans and prices. These are the biggest plans offered in the United States.
ASPCA Pet Insurance
For years, the ASPCA has worked tirelessly to protect animals throughout the United States. Realizing that the rising cost of veterinarian care is making it difficult for families to adopt animals, they now offer affordable pet insurance plans through the Hartville Group, Inc.
The ASPCA offers five plans:
1. Advantage Plan—Rates start at $23 a month for cats and $30 a month for dogs. Coverage includes yearly checks, basic vaccines, spaying/neutering, heartworm testing, and emergency care.
2. Premiere Plan—Rates begin at $47 a month for cats and $54 a month for dogs. On top of the coverage offered in the Advantage Plan, this plan covers flea and heartworm prevention, lyme disease prevention or care, kennel cough vaccines, and dental care.
3. Primary Care—This plan starts at $11 a month for cats and $16 a month for dogs. If your animal is in an accident or needs emergency care, the insurance plan will cover $1,500 per incident. You will not pay for x-rays, diagnostic tests, surgeries, or hospitalization.
4. Safety Plan—This is the least expensive plan at $7 a month for cats and $9 a month for dogs. Coverage covers bone fractures, burns, and other accidents. The company covers $2,500 per incident.
5. Sterling Plan—This extensive plan is $67 a month for cats and $76 a month for dogs. It covers everything from dental care to vaccinations. Yearly exams, lab tests, emergency services, and even chronic conditions are covered.
PetPlan
PetPlan is new to the United States but has been used by millians in Canada, the U.K., and Australia for years. PetPlan offers three levels to make things simple.
1. The Bronze Plan is the basic plan. You choose your coverage and deductible levels to come up with a premium that works for your financial needs. Coverage with the Bronze Plan is limited to emergency veterinary fees due to accidents or illness. There is an $8,000 yearly limit.
2. The Silver Plan covers emergency care, but also covers boarding, advertising in case a pet goes missing, and theft. There is a $12,000 yearly limit.
3. The Gold Plan covers everything in the bronze and silver levels but adds coverage for death, and vacation cancellations due to a pet's health. There is a $20,000 yearly lmit.
ShelterCare
ShelterCare offers first month premiums of $1. This entitles you to try their plan for a month and see how you like it. After this they offer seven programs:
1. EmergencyCare—For as little as $20 a year for dogs and cats, EmergencyCare plans cover up to $3,000 in emergency care caused by illness or accident.
2. QuickCare Accident—Rates for QuickCare Accident begin at $11 per month for dogs and $10 for cats. There is a $50 deductible, and only certain veterinary procedures are covered 100%.
3. QuickCare Gold—Starting at $25 per month for dogs and $19 for cats, QuickCare Gold covers a preset percentage of your veterinary bills for illness, accidents, and hospitalization. There is a deductible of $100.
4. QuickCare Preferred—Monthly rates start at $22 for cats and $35 for dogs. There is a $100 deductible, but all veterinary visits entitle you to a 70% reimbursement.
5. QuickCare Senior—This plan is for older cats and dogs. Coverage starts at $33 per month for dogs and $22 per month for cats. There are deductibles ($50 accidents and $200 illness) that must be met before coverage begins.
6. ShelterCare Intro—The first month costs $1. After this the plan increases to $13 a month for dogs and cats. The plan covers illness, accident, poisons, cuts, burns, allergic reactions, and more. There are deductibles involved, however.
7. TenantCare—This covers accidental damage to your apartment that is caused by your cat or dog. Plans start at $15 a month for dogs and $14 per month for cats.
Indoor cats are offered a separate plan that gives inexpensive coverage for accidents and illnesses. Plans start at $11 per month.
VPI
VPI offers two plans. Both plans cover MRIs, CAT Scans, X-Rays, surgeries, prescriptions, hospitalizations, and cancer treatments. VPIs Superior plan adds coverage for vaccinations, yearly check-ups, heartworm prevention, flea and tick control, and spaying/neutering.
Rates for puppies begin at $17 per month. Kittens start at $12 per month. The rates depend on the age of the pet and the breed. The Superior plan costs an additional $8 per month. Cancer coverage is approximately $3 extra.
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