Question by : What’s a cheap and basic but quality Pet Insurance I can get for my lovely pets?
I’m looking for coverage for my “pet family”- my dog Baxter, and my two cats Athena & Bailey but pet insurance is too expensive and a waste. I need something quality but cheap to cover all the basics, what are the options out there?

Best answer:

Answer by TrupanionPetInsurance.com
To get cheap insurance for the best value, I would recommend a high deductible plan. If you don’t do thorough research and just purchase the “cheapest” plan out there, then you may not be getting the best value.

Pet insurance is good for unexpected accidents and illnesses. They can get expensive quickly, so it’s nice to have insurance to cover the costs. Pet insurance does not cover pre-existing conditions, so if your pet is already sick or injured, it is unlikely that pet insurance will cover the costs to treat it.

For other costs like regular exams and vaccines, it’s best to self-budget since these costs are expected. Some pet insurance companies offer coverage, but it is typically not cost-effective. (Imagine paying an extra 0 per year on your premiums for 0 worth of routine coverage…)

A few good questions to ask when researching pet insurance are:
1. Does the policy cover everything? Hereditary and congenital issues?
2. What are the payout limits? Will it be enough money for my worst case scenario?
3. How much does it cover for each condition?
4. What are the pricing and deductible options?
5. Is it an ongoing policy? If my pet has an illness during my first policy year, will it be covered the next policy year?

Some plans don’t pay based on your actual bill, but have lists of predetermined dollar amounts that they will pay for each condition which can be shockingly low in many cases. I would recommend getting an actual insurance plan that covers based on your bill so that you are never faced with a difficult and expensive situation when you *thought* you were covered.

We cover 90% of the actual bill for diagnostic testing, treatments, surgeries and medications including emergency and specialist visits. Trupanion is also the only provider to offer a deductible option.
Feel free to give customer service a call and get a no-obligation quote to ask all the necessary questions and find out what’s best for you!

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