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Pet Plans - III

Pet plan information is provided summaries of program features and not specific plans, which may vary based on benefits and premium.. Go the provider’s website for more details. Information may change from time to time. If you are aware of any inaccuracies or changes in the information please contact us. For further plan comparison also check the Insurance Policy Score of a program. Premium will vary with limits. reimbursements, deductible and policy terms and conditions. Policy reviews are based on the "deluxe" or the best version of a company's pet program of insurance. See Disclaimer at bottom of page.

Pawp (ARP)

Summary

Pawp does not offer pet insurance plans and does not cover ongoing veterinary expenses related to accidents or illnesses. Pawp has a digital vet service that gives the pet owner a $3k fund that can be used for one life-threatening emergency per year.   


  1. Type of Plan: Alternative Reimbursement Plan (ARP).  
  2. Annual Limits: $3,000 
  3. Reimbursements: N/A.  
  4. Deductibles: N/A.  
  5. Eligibility: All Pets Ages 8 Weeks. & Up Are Eligible to Enroll.  

Coverages:  

  • Accidents: (Only life-threatening emergency).
  • Illnesses: (Only life-threatening emergency).
  • Hereditary & Congenital Conditions covered (Only life-threatening emergency). 
  • Chronic conditions covered. (Only life-threatening emergency). 
  • Dental issues covered (Only life-threatening emergency).  
  • Preventable illnesses not covered. Sick visit exam fees covered (Only life-threatening emergency).  Diagnostics, including Radiology & Lab Tests covered (Only life-threatening emergency).  
  • Surgery, Emergency Services & Hospitalization covered (Only life-threatening emergency).  
  • Specialized Care covered (Only life-threatening emergency).  

More

  • Prescription Meds covered (Only life-threatening emergency).  
  • Behavioral issues not covered. 
  • Alternative therapies not covered Microchip Implantation not covered.  
  • Wellness not covered.
  • No multiple pet discount.

Waiting Period:             

  • Illnesses: 14 days           
  • Accidents: 14 days           
  • Cruciate Ligaments: 14 days           
  • Hip Dysplasia: 14 days           
  • Wellness: 0 days 

Go to Website

Pet Assure (ARP)

Summary

Pet Assure does not offer Pet Accident and Illness insurance plans. They offer a non-insurance veterinary discount program for a monthly fee that gives the pet owner a 25% discount on medical services (with exclusions) performed at sponsored veterinary practices. The pet owner is responsible for the amount after the 25% discount is applied.


  1. Type of Plan: Alternative Reimbursement Plan (ARP).  
  2. Annual Limits: N/A 
  3. Reimbursements: N/A.  
  4. Deductibles: N/A.  
  5. Eligibility: All Pets Ages 8 Wks. & Up Are Eligible to Enroll.  

Coverages:  

  • Accidents: (25% discount on veterinary services)
  • Illnesses: (25% discount on veterinary services) 
  • Hereditary & Congenital Conditions covered. (25% discount on veterinary services) 
  • Chronic conditions covered. (25% discount on veterinary services) 
  • Dental issues covered (25% discount on veterinary services).  
  • Preventable illnesses covered: (25% discount on veterinary services) 
  • Sick visit exam fees covered (25% discount on veterinary services).  
  • Diagnostics, including Radiology & Lab Tests covered (25% discount on in-house veterinary services). 
  • Surgery, Emergency Services & Hospitalization covered (25% discount on veterinary services). 
  • Specialized Care covered (25% discount on in-house veterinary services).  


More

  • Prescription Meds covered (excludes take home).   
  • Behavioral issues covered (25% discount on in-house veterinary services) 
  • Alternative therapies covered: (25% discount on in-house veterinary services) 
  • Microchip Implantation not covered.  
  • Wellness (varies by plan for different services, 25% discount) 
  • Multiple pet discount.

Waiting Period:             

  • Illnesses: 14 days           
  • Accidents: 14 days           
  • Cruciate Ligaments: 14 days           
  • Hip Dysplasia: 14 days           
  • Wellness: 0 days 

Go to Website

Pet Partners

Summary

  1. Type of Plan: Accident and Illness. Accident Only is also available  
  2. Annual Limit: $2,500, $5,000, $7,500, $10,000, $15,000, $20,000, or unlimited. 
  3. Reimbursements: 70%, 80%, 90% of covered vet bills. 
  4. Deductibles: Annual deductible of $100, $250, $300, $400, $500, $600, $750, or $1,000. 
  5. Eligibility: All Pets Ages 8 Wks. & Up Are Eligible to Enroll. However, for pets nine years or older at the time of enrollment or with a qualifying medical condition only an an accident-only plan is offered. 

Coverages:  

  • Use any vet.  
  • No illness coverage for dogs enrolled after age 9  
  • Hereditary & Congenital Diseases covered or an optional fee. Bilateral conditions are excluded. Hip dysplasia and congenital and hereditary conditions are only available for coverage if you enroll your dog at 2 years old or younger. 
  • Sick visit exam fees covered for optional fee..   
  • Preventable Illnesses covered. Parasite Infections not covered  
  • Dental Issues covered. Extractions to permanent broken teeth due to an  Accident (Does not cover endodontic or orthodontic dental services such as caps, crowns, crown amputation, fillings, implants or root canals). 
  • Chronic conditions covered.  
  • Diagnostics, including Radiology & Lab Tests covered. 
  • Surgery, Emergency  Services & Hospitalization covered.  
  • Specialized Care covered.  

More

  • Prescription Meds covered.  
  • Behavioral issues covered 
  • Alternative therapies covered.  
  • Microchip Implantation covered.  
  • Multiple pet discount. 

Waiting Period:    

  • Illnesses: 14 days  (180 days for IVDD) 
  • Accidents: 3 days 
  • Cruciate Ligaments: 180 days 
  • Wellness: 0 days          

Insurance Company

American Pet Insurance Company. A.M. Best Rating: Not ratted Independence American Insurance Company, rated A-  (in WA by American Pet Insurance Company 

IPS Rating:

Under review

Go to Website

Petplan

Summary

  1. Coverage: Accident and Illness. 
  2. Limits: Different annual plan limits ($5,000 to unlimited).
  3. Reimbursements: 70% to100% of covered vet bills.  
  4. Deductibles: Annual Deductible with various premium and deductible options. 
  5. Eligibility: All Pets Ages 8 Wks. & Up Are Eligible to Enroll. 

Coverages:

  • Hereditary & Congenital Conditions covered. 
  • Chronic conditions covered. 
  • Preventable illnesses covered, but limited (parasites not covered, certain diseases are not covered unless they develop following vaccine). 
  • Sick visit exam fees covered. 
  • Diagnostics, including Radiology & Lab Tests covered. 
  • Surgery, Emergency Services & Hospitalization covered. 
  • Specialized Care covered. 

More

Prescription Meds covered. 

Behavioral issues covered (up to $1,000 annually).  Dental issues covered. 

Microchip Implantation not covered. 

Wellness and preventive care not offered. 

No multiple pet discount. 

Waiting Period:             

  • Illnesses: 15 days 
  • Accidents: 15 days 
  • Wellness: 0 days 

Insurance Company

In UK PetPlan is part of Allianz Insurance Plc. A.M. Best Rated: A+

IPS Rating

Under review

Go to Website

Pets best

Summary

  1. Coverage: Accident & Illness. 
  2. Annual Limits: $2,500 to unlimited. 
  3. Reimbursements: 70%, 80% or 90% of covered vet bills. 
  4. Deductibles: Annual Deductible with various pricing options. 
  5. Eligibility: All Pets Ages 8 weeks and up. May be health restrictions on enrollment. 

Coverages: 

  • Hereditary & Congenital Conditions covered. 
  • Chronic Conditions covered. 
  • Parasite Infections not covered 
  • Preventable diseases covered only if the illness occurs following your  vaccine and preventive care recommendations. 
  • Dental Issues covered. (Limited,  vet-administered teeth cleaning under general anesthesia is required for pets ages 3+ in the 13 months before service on periodontal disease claim. 
  • Sick Visit Exam Fees covered with optional monthly fee. 
  • Diagnostics, including Radiology & Lab Tests covered.  
  • Surgery, Emergency Services & Hospitalization covered.  
  • Specialized Care covered. 

More

  • Prescription Meds covered. (only meds on approved list) 
  • Behavioral Issues covered (limited to behavioral consults with and/or Rx meds prescribed by a licensed vet). 
  • Rehab Therapies, including Acupuncture & Chiropractic (optional with a monthly fee). Microchip Implantation not covered. 
  • Multiple pet discount. 

Waiting Period:             

  • Illnesses: 14 days (6 months for CCL or related conditions) 
  • Accidents: 3 days 
  • Cruciate Ligaments: 6 months 
  • Wellness: 0 days 

Insurance Company

American Pet Insurance Company. A.M. Best Rating: Unrated

IPS Rating

Not rated

Go to Website

Disclaimer

Information regarding insurance company offerings, coverage, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before purchasing any insurance policy.  The information provided through this website should not be used to diagnose or treat a health problem or disease. it is not intended to offer any legal and/or insurance opinion or advice regarding any insurance program or a substitute for professional information ,advice or professional health care.   

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