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What Does Pet Insurance in Puerto Rico Cost? 2024 Update

Patricia Dickson

By Patricia Dickson

Pet Insurance for in the tablet

If you’ve recently moved to Puerto Rico, you might already know that the Commonwealth is not only a great area to live but also an excellent place to have pets.

From hiking in the mountains to walking along the beach with your furry friends, there are plenty of activities to keep you and your pet busy. But with all those activities comes the chance of accidents and illnesses occurring.

That’s why you must be prepared for every eventuality by having reliable, cost-effective pet insurance. Studies have shown that one out of three pets must go to the vet for an emergency visit every year and that every 6 seconds, a pet parent is faced with paying over a $1,000 vet bill out of their own pockets.

So, how much does pet insurance cost in Puerto Rico this year? Read along with us to find out.

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The Importance of Pet Insurance

If you’re new to being a pet parent and have yet to take your dog or cat to the vet, you might wonder why it’s essential to have pet insurance for your furry pals. Once you’ve had to take your little friend to the vet for the first time, you’ll know, but you can get pet insurance and never have to find out.

Pet insurance saves pet owners quite a bit yearly, especially if there’s an emergency or even as your pet ages and issues start to arise. Also, living in Puerto Rico, you’ll be out hiking, walking, and enjoying the outdoors, which means you never know what will happen.

It’s better to be covered in an emergency than to take your pet to the vet and decide between paying the cable bill and paying the vet for services. Having pet insurance can prevent you from making similar financial decisions.

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How Much Does Pet Insurance in Puerto Rico Cost?

Online Pet Insurance Application
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While Puerto Rico is a great place to live, it doesn’t have many options regarding reliable pet insurance. Your best bet is Trupanion, which is one of the highest-rated insurance providers in North America. The plans’ cost depends on factors regarding your pet and your zip code. We’ll give you a bit of a breakdown below.

  • San Juan: $29 a month
  • Caguas: $29 a month
  • Carolina: $29 a month

These prices are for a mixed breed dog across the state that is 3 years of age. A lot goes into determining how much you’ll pay per month for your pet’s insurance policy. The age and type of pet are figured into the price, as well as what you choose as a deductible, reimbursement rate, and more.

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Benefits of Pet Insurance in Puerto Rico

There’s no denying that pet insurance in Puerto Rico can be a lifesaver for pets and pet parents alike. For example, major surgery such as a patellar luxation procedure for your pet will cost you, on average, $1,000. No pet parent wants to pay that entire cost out of pocket.

A good policy will pay 90% of the cost of that surgery, and you’ll be able to pay that cable bill after all. If you think about it, pet insurance is like home, auto, and health insurance. You pay for it and hold your breath, hoping you won’t need it, but it’s invaluable for emergencies and pricy treatments.

What Kind of Plans Does Pet Insurance in Puerto Rico Offer?

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Image Credit: Pixsooz, Shutterstock

The only insurance company operating in Puerto Rico is Trupanion. The plans the company offers will depend on the area you live in. In most cases, all pets get one simple plan that covers unexpected illnesses and injuries.

If you’re unsure of which policy your pet needs, it’s best to contact a customer service agent to walk you through the available plans. While there is only one provider in Puerto Rico, others are likely to follow since insurance is becoming more popular with pet owners.

What Does Pet Insurance Cover in Puerto Rico?

What is covered by pet insurance in Puerto Rico will vary by the plan you choose. We’ve based our information on what Trupanion offers.

  • Hereditary conditions
  • Unidentified issues
  • Congenital conditions
  • Approved surgeries
  • Diagnostic tests
  • Dietary supplements
  • Hip dysplasia
  • Prescription pet foods
  • Cruciate surgeries

What Doesn’t Pet Insurance Cover in Puerto Rico?

Of course, there are a few things that pet insurance companies, such as Trupanion, don’t cover.

  • Preexisting conditions
  • Exam fees for illnesses and accidents
  • Routine dental care
  • Wellness and preventive care
  • Elective or cosmetic procedures

Find The Best Insurance Companies in 2024

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Pet insurance in Puerto Rico is essential for keeping your pets healthy and happy. There aren’t many choices for coverage in Puerto Rico, but Trupanion is a well-respected company with excellent customer service. If you’re looking for reliable, affordable pet insurance, it is the best and only choice for you.

Featured Image Credit: Rawpixel.com, Shutterstock

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