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what’s the best pet insurance to get for dogs

Choosing the right pet insurance for your furry friend can be a daunting task. Factors such as coverage, cost, claim process, and customer service all play a crucial role. To help you make an informed decision, we’ve compared some of the top pet insurance providers for dogs: Healthy Paws, Nationwide, Embrace, Trupanion, and Petplan.

1. Healthy Paws

Healthy Paws offers a straightforward plan with unlimited benefits, no caps on claim payouts, and excellent customer service. The company also covers hereditary, congenital, and chronic conditions.

Pros: Unlimited lifetime benefits, excellent customer reviews

Cons: No wellness coverage

User Review: “Healthy Paws made the claim process simple and fast. They really cared about my dog’s health.”

2. Nationwide

Nationwide is the largest pet insurer in the U.S. and the only one to offer an Avian and Exotic Pet plan. Their Whole Pet with Wellness plan covers everything from accidents, illnesses, to wellness care.

Pros: Comprehensive coverage including wellness care, multi-pet discount

Cons: Higher cost, longer waiting period

User Review: “Nationwide’s complete coverage was a lifesaver when we had to take our dog to emergency care.”

3. Embrace

Embrace offers customizable coverage, allowing pet owners to adjust their reimbursement level, deductible, and annual limit. They also provide a Wellness Rewards program that covers routine care.

Pros: Customizable plan, Wellness Rewards program, covers chronic conditions

Cons: Limited coverage for hereditary conditions for dogs enrolled past a certain age

User Review: “Embrace’s Wellness Rewards program helps us manage our dog’s regular check-ups.”

4. Trupanion

Trupanion provides one simple plan that covers 90% of all unexpected illnesses and injuries. This company also has a unique feature: direct payment to the vet.

Pros: Direct payment to the vet, 90% coverage for all new illnesses and injuries

Cons: Wellness coverage not included, no multi-pet discount

User Review: “Trupanion’s direct payment to the vet was a huge relief when our dog needed surgery.”

5. Petplan

Petplan offers comprehensive coverage including exam fees, something not all companies cover. They have a short 15-day waiting period for all conditions, including hip dysplasia, a common issue in dogs.

Pros: Covers exam fees, short waiting period for all conditions

Cons: No wellness coverage, no multi-pet discount

User Review: “Petplan covered our Labrador’s hip dysplasia surgery. Their service has been exceptional.”

Remember, the best pet insurance for your dog largely depends on your pet’s health needs and your budget. Always read the fine print, understand what is and isn’t covered, and consider your pet’s breed-specific health risks before making a decision.

Pets Sos

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