Pet insurance is an essential part of guaranteeing your pet’s health. Accidents and illnesses are spontaneous and leave us with unexpected expenses, often too high to pay on our own. In these instances, it is more important than ever to be able to fall back on a reliable insurance plan.
But which insurance plan is the best for you? Better yet, which policy is suitable for the place you live? For those who live in Delaware or plan to move there, we have compiled a list of the best pet insurance options for this year. If you are struggling to decide on a policy provider, let our reviews guide you.
A Quick Look at Our Winners in 2023
|Best Overall||APSCA Pet Health Insurance||
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|Best Value||Pet’s Best||
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|Spot Pet Insurance||
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The 10 Best Pet Insurance Providers in Delaware
1. APSCA Pet Health Insurance – Best Overall
APSCA, also known as the American Society for the Prevention of Cruelty to Animals, is our pick for the best overall pet insurance in Delaware.
Through this insurance provider, pet owners can rest easy knowing they have coverage over hereditary conditions, chronic problems, dental issues, behavioral correction, and alternative care. Another benefit to APSCA is that they will cover your pet’s exam fees, helping you to save a few extra bucks on vet appointments.
However, it is essential to note that APSCA does not provide pet owners with a pet wellness plan, nor do they cover breeding and pregnancy expenses. So, if that is something that you want coverage for, you will either need a supplemental plan, or you may want to look elsewhere.
2. Pets Best
For our best value option, Pets Best is the way to go. Pets Best provides excellent coverage at an affordable rate, ensuring pet owners do not have to break the bank to protect their pet’s health. Plus, filing a claim will not increase your policy price. Overall, Pets Best is dedicated to offering you the best coverage at the lowest price.
Pets Best offers policies that can help to cover unanticipated veterinarian appointments, prosthetics, cancer treatments, and more. They also cover prescription medication as well as hereditary issues.
On the downside, Pets Best does not help pet owners pay for behavioral therapy. If you choose Pets Best and behavioral issues are something that you and your pet need assistance with, then a supplemental plan may be necessary.
3. Spot Pet Insurance
Spot Pet Insurance is an excellent option for senior pets. While many insurance companies may be reluctant to enroll older pets, Spot has no upper age limit. Likewise, there is no payout limit, neither per incident nor per lifetime. Through this provider, pet owners are guaranteed unlimited coverage. Of course, these plans tend to be more expensive, and it is up to you to weigh the pros and cons.
Another benefit covers your vet appointments and examination fees. By covering these routine costs, Spot is helping you to save a little extra cash.
A downside to Spot Pet insurance is that they have a long claim waiting period for accidents. If your pet is in an accident, you must wait for at least 14 days before filing a claim. Compared to other providers, that is a long wait.
Lemonade has some great bundling options for breeds with higher health risks. While some insurance companies require pet owners to specify their breed, Lemonade does not. Instead, Lemonade categorizes all pets in generic categories, such as the breed’s size. This ensures that pet owners will pay similar prices across the board.
Another great benefit is that Lemonade has a large annual coverage limit, which is nearly ten times the amount of your average insurance company. This helps to provide excellent protection against expensive procedures.
Although Lemonade has a wellness plan, it is not as diverse as many others. Specific procedures, such as dental cleanings, are not covered by Lemonade, restricting the type of preventative care that pet owners can expect to receive.
Petplan earns a high spot on this list because it does something most other pet insurance providers do not: offer help for pre-existing conditions. While it does not outright cover pre-existing conditions, it will try to help pet owners with the expenses. For pets that have a condition that is curable, Petplan may allow you to receive aid for that condition.
Pet owners can enjoy the freedom of choosing their own pet care provider and may also have coverage for homeopathic therapy. The downside to all of these benefits is that Petplan is a bit more pricey than other insurance providers, and they may raise their policy prices whenever you file a claim.
6. Hartville Pet Insurance
Hartville Pet Insurance offers pet owners many ways to save money. They do not increase their policy prices if you file a claim, and they also have a multiple pet discount. That means that if you enroll multiple pets through Hartville Pet Insurance, you can save money on each additional pet.
Another benefit to Hartville Pet Insurance is that they provide a wellness plan with excellent coverage. Preventative care includes any procedure that could prevent health complications in your pet before they happen, such as spaying and neutering or blood testing.
Some pet owners have reported that the reimbursement they receive from Hartville is low. So, keep that in mind when making a decision.
MetLife provides great coverage for sicknesses and accidents and offers coverage for alternative care as well. What makes this insurance provider really stand out is the zero-week enrollment wait. When enrolling your pet in one of MetLife’s policies, there is no extended wait time. Your pet will be enrolled in a plan before you know it!
Although MetLife’s prices are average for pet health insurance, their savings options are anything but. They provide pet owners with several great discounts, including a diminishing deductible and a discount for multiple pets. They will also avoid raising your policy price whenever a claim is filed, and you will not have to worry about sudden price spikes.
However, it is important to know that MetLife will not cover behavioral issues.
Figo offers excellent coverage at an affordable price, especially for pet owners who may be enrolling cats. The premiums are incredibly cheap for cats, and there are multiple pet discounts to take advantage of.
The coverage Figo offers includes sicknesses, accidents, hereditary issues, chronic conditions, and a handful of alternative care options. However, one of the most notable benefits to Figo is that pet owners are granted 24/7 access to veterinarians. Anytime you need to speak to a vet, Figo makes that possible through their app.
Figo does not offer wellness plans at this time. If you need coverage for preventative care, you will need to look elsewhere.
9. Prudent Pet
For pet owners that go with Prudent Pet, plenty of savings can be found. With a multiple pet discount and a diminishing deductible, there are lots of ways for pet owners to save money. Plus, the policy price will remain the same whenever you file a claim.
When it comes to hereditary and congenital conditions, chronic problems, accidents, sicknesses, and dental issues, Prudent Pet has you covered.
However, only a handful of behavioral therapies are covered, and this area is somewhat lacking in their coverage.
10. Healthy Paws Insurance
Healthy Paws is all about convenience. To avoid confusion and hassle for pet owners, they have created a single, highly customizable plan. Instead of forcing pet owners to struggle to decide between several different options, they have provided one policy you can adjust to your advantage. Likewise, Healthy Paws has an app that they use to process claims, making the process much more user-friendly.
If you are looking for preventative coverage for your pet, you will need to look elsewhere. Healthy Paws does not provide a wellness plan option.
Buyer’s Guide: Choosing the Right Pet Insurance Provider in Delware
Even after reading these reviews, it can be difficult to decide which insurance is best. If you are still uncertain where to start, consider the following features of each insurance provider.
Policy coverage is one of the most critical aspects of your plan. Depending on the needs of yourself and your pet, you will want to search for a policy that covers those needs. For instance, if it is important to have a preventative care plan, you must ensure that your provider has that option.
Naturally, the more that a policy covers, the more expensive it is likely to be. Just because a policy covers everything you want it to does not mean it is the right fit for you, especially if it is too expensive. It is essential to balance the coverage against the price to determine the best outcome for you and your pet.
Customer Service & Reputation
Another good indicator of whether a company is a good fit for you is its reputation. If other users complain about a series of issues, it may not be the right fit for you, but if other policyholders have nothing but glowing reviews, it could be a great company to consider!
If it is difficult for you to get in touch with their customer service department, that is also a red flag. The more avenues a company includes to contact them (phone, email, live chat, etc.), the better.
Claim repayment is essentially the amount that your insurance will cover for you. When you file a claim, your insurance will eventually send you a claim repayment based on how much the medical procedure costs. Normally, this claim repayment will be a percentage of your total expenses. The higher the rate, the more the insurance company covers on your behalf.
Price Of Policy
Of course, the policy’s price will play a huge factor in whether it is the right fit for you. Certain factors may influence the cost of your policy, such as whether you have a cat or a dog, the breed of your pet, the age of your pet, and which plan you want.
Plan customization is a great option and should be considered when picking an insurance provider. The coverage, claim repayment, deductible, and more can often be altered to suit your needs. If an insurance provider provides no room for customization, you have to decide if the rigid plans they offer are right for you or if you need more flexibility.
Is Pet Insurance Really Necessary?
Although pet insurance is not a requirement, it is highly recommended.
Medical treatment can be extremely costly, especially when it is unplanned. The high expenses can leave pet owners with a heavy financial burden.
With pet health insurance, much of that burden is lifted for you. If you have an insurance policy that can pay most of the medical bills, it gives you the support you need in unexpected times of crisis.
Which Pets Can Be Enrolled for Pet Insurance?
As always, check the details with each pet insurance provider to ensure they are the right fit for your pet. Pet insurance is available for most domestic animals. That includes cats, dogs, rabbits, birds, ferrets, reptiles, rodents, and pigs. However, most policies only cover cats and dogs.
What Does a Standard Pet Health Insurance Policy Cover?
Standard policies will generally cover accidents and illnesses. There are often additional wellness plans that you can purchase for extra coverage.
More expensive policies cover more than just the standard medical complications. This may include behavioral therapy, alternative care, and more. If you have a specific need, be sure to verify that your insurance covers it.
Pet insurance will rarely if ever, cover pre-existing conditions. Some policies may help to alleviate the costs if your pet’s condition can be proven as curable, but for the most part, pre-existing conditions will receive no support from pet health insurance companies.
What the Users Say
Most pet parents are satisfied with their insurance providers, but several have complained when their rates are unexpectedly increased. Some companies claim that they have to raise prices because of increasing veterinary expenses, but it’s a good idea to check a company’s reviews to see if they’re bad about raising prices. Other customers were disappointed by long waits for reimbursement, but most insurers pay out in 14 days or less.
Which Pet Insurance Provider Is Best For You?
Most plans will provide sufficient coverage if you have a young, healthy pet. However, depending on the policy, you may have to pay more if you have an aging pet. The ideal insurance plan for your pet meets all your animal’s needs and does not break your budget.
Deciding on the right pet insurance can be overwhelming, especially when you want to find a reputable plan in the area that suits your needs. We hope this list has helped you to narrow down your search by presenting some of the best options in the state. While this list has plenty of great options to choose from, in the end, it is up to you to decide what is best for your pet.
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