![]() And it’s one of the few companies that cover stem cell therapy for qualifying injuries or illnesses, making it a good choice for breeds known for hereditary or congenital issues.ĪSPCA has two main plans for dogs and cats, along with preventative care riders: But this provision doesn’t apply to ligament or knee conditions, so your pet cannot regain eligibility for coverage for issues like hip dysplasia or a luxating patella.ĪSPCA has reasonable waiting periods for all conditions, including orthopedic issues (14 days). If your pet has a curable condition and is free from treatment and symptoms for at least 180 days after enrollment, the condition is no longer considered pre-existing, and future treatments will be covered. However, ASPCA Pet Health Insurance stands out from most other companies in handling curable pre-existing conditions. If your pet was diagnosed with or showed clinical signs of a condition before your policy effective date or during the waiting period, all companies will exclude treatments for that issue. There are no pet insurance companies that cover pre-existing conditions. For more information, see the full MetLife pet insurance review. Its policies are underwritten by the Independence American Insurance Company. MetLife is a major insurance and financial services company founded in 1868. Take note that some policy options (like deductibles and coverage limits) may vary by location and pet. The company offers multiple discounts, and it works with employers to offer discounted pet insurance to eligible workers. MetLife also has routine care riders you can add to your policy to get coverage for wellness visits and preventative care. Its policies have two-week waiting periods for illnesses, but accident coverage starts the day after you enroll your pet. MetLife offers accident and illness policies for dogs and cats nationwide. MetLife’s family plans tend to be less expensive than enrolling pets in individual plans, helping you save money. ![]() But with MetLife, you can enroll your pets in a family plan and have just one deductible that applies to all of your pets. ![]() For more information, see the full Figo pet insurance review.Īlthough many companies offer multi-pet discounts, you usually have to reach the annual deductible for each pet. Its policies are underwritten by Independence American Insurance Company. For each year that you are claim-free, Figo will reduce your deductible by $50 until it reaches $0.įigo was founded in 2013, and it’s based in Chicago. Ultimate: The Ultimate plan has an unlimited annual benefit.įigo does have optional riders you can add to your policy, such as wellness plans for vaccines and preventative care, veterinary exam fee plans, and extra benefits like coverage for boarding fees, and third-party property damage liability protection.įigo also offers a diminishing deductible.Preferred: The Preferred plan’s annual benefits are capped at $10,000.Essential: The Essential plan provides up to $5,000 in annual benefits.But with Figo, you can choose a reimbursement percentage as high as 100%, so your bill will be completely covered after reaching your deductible.įigo offers three accident and illness policies for dogs and cats: With most pet insurance companies, the maximum reimbursement-the percentage of your veterinary bill the insurance company covers-is usually 90% or less. For more information, see the full Nationwide pet insurance review. Nationwide’s plans have 14-day waiting periods for both accidents and illnesses. Less details are available online as you can only get quotes and purchase coverage for exotic pets over the phone. Avian and Exotic Pet Coverage: Nationwide covers birds, reptiles, and other exotic pets.Pet Wellness can be added on to Major Medical plans. They have per-condition annual limits Basic has a $400 overall annual limit, and Plus has a $500 overall limit. Pet Wellness (Basic and Plus): These plans provide coverage for routine and preventative care, like wellness exams, vaccinations, and flea and heartworm preventatives.Besides accidents and illnesses, Whole Pet also covers hereditary and congenital conditions. You can choose a reimbursement percentage of 50% or 70%. It has a $10,000 cap on annual benefits and a $250 deductible. Whole Pet: Whole Pet coverage is for unexpected accidents and injuries.This plan uses per-condition annual limits, meaning you'll have to look at the coverage details to see how much they'll pay depending on what has happened to your pet. It covers treatments and procedures for sudden injuries or illnesses. Major Medical: Major Medical is Nationwide’s basic accident and illness policy. ![]() ![]() It now insures over 1 million pets, and it's one of the only pet insurance companies to cover exotic pets as well as dogs and cats. Nationwide is a leading insurance company and has been offering pet insurance since 1982. ![]()
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