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The Best Pet Insurance 2022

One way to add some financial security to your household is to have the best pet insurance. It’s a way to guard against paying the full cost of unexpected vet bills if your pet is injured or gets sick.


best pet insurance

What is the best pet insurance for dogs?

best pet insurance for dogsWe reimburse based on what you’re paying at the vet’s office, not what we think the treatment for specific conditions should be. MetLife’s Best Pet Insurance allows you to get your dog the care they need without worrying about the expensive cost of veterinary care.

Our customizable and affordable pet insurance for dogs insurance plans, cover a varity of conditions such as ear infections, allergies, and sprains. Even minor injuries or ailments could save you hundreds of dollars in vet bills.

  • Ear infections which average $149 per visit
  • Allergies costing as much as $249 per visit
  • Skin infections which average $175 per visit
  • Upset stomach which could cost as much as $385 per visit
  • Diarrhea which could cost as much as $203 per visit
  • Bladder issues which average $617 per visit
  • Eye infections which average $115 per visit
  • Arthritis costing as much as $255 per visit
  • Hypothyroidism costing as much as $123 per visit
  • Sprains which average $267 per visit

Source: https://www.metlifepetinsurance.com/pet-insurance/dog-insurance/

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What is the best pet insurance for cats?

best pet insurance for catsYou can rest easier knowing your kittens, cat and senior cats are protected with MetLife’s Best Pet Insurance for cats. Cats and kittens of all ages and breeds are covered from nose to tail.

Our customizable and affordable cat insurance plans cover a variety of conditions such as ear infections, allergies, and upset stomach. Even minor injuries or ailments could save you hundreds of dollars in vet bills.

  • Urinary Tract Infection which could cost as much as $295 per visit
  • Upset Stomach which could cost as much as $385 per visit
  • Renal Failure which could cost as much as $485 per visit
  • Diarrhea which could cost as much as $203 per visit
  • Allergies costing as much as $249 per visit
  • Diabetes costing as much as $276 per visit
  • Colitis which could cost as much as $203 per visit
  • Ear Infections which average $149 per visit
  • Upper Respiratory Infection which could cost as much as $219 per visit
  • Hypothyroidism costing as much as $123 per visit

Source: https://www.metlifepetinsurance.com/pet-insurance/cat-insurance/

Who offers the best pet insurance deals?

best pet insurance dealsOne of the most impressive pet insurance industries is how little average prices have changed over time. The average cost for a pet insurance plan has only increased by 5% per year since 2015. These are five easy things to help you find the lowest pet insurance cost for your dog or cat.

  1. Compare Plans and Prices

We suggest you get quotes from multiple providers because prices vary by over 50% or more from carrier to carrier. All because each pet insurer sets prices based on breed.

  1. Customize Your Plan

This is an easy way to lower costs and meet your monthly budget. We recommend a $250 – $500 deductible, 80% – 90% reimbursement rate, and a minimum $10k annual limit to maximize claims payout while keeping your premiums low.

  1. Take Advantage of Discounts

The best pet insurance carriers offer better discounts for multiple pets, military, microchipping, employee benefits, and even spay and neuter discounts. Before you enroll, take advantage because deals can be as much as 10% to 20% off.

  1. Enroll Early

 It is better to enroll when your pet is young and healthy. This keeps the costs down and ensures you have coverage when something does happen.

  1. Choose One Provider and Stick with Them

Once enrolled in a plan, please stick with it for the life of your pet. Jumping around to different companies will only cost you more money in the long run and could create potential issues with pre-existing conditions.

How Do Companies Come Up with Rates?

When shopping for the best pet insurance deals, you may notice that policy prices differ between zip codes. Costs of living in certain areas will often influence pet insurance prices. Other factors that affect how much money you spend will include your pet’s breed and age. The company and types of coverage you want or need will also change the price—like getting a chevy model plan or a Lexus kind of plan

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Best pet insurance for pre existing conditions

best pet insurance for pre-existing conditionsTo understand the best pet insurance for pre-existing conditions, you have to understand the timing of your policy. Many people often contemplate when they should start investing in pet insurance for their furry family members. The answer to this question is earlier than you think!

Even though our pets are family members, their insurance is more like our car or home insurance than our healthcare. Let’s take car insurance as an example. If you got into an accident without car insurance, you wouldn’t expect your auto insurance to pay for the accident.

Your car insurance only covers you for the accident if you have an insurance policy. Pet insurance works the same way. Pet insurance plans do not cover conditions, illnesses, or events before the procedure begins.

Like all other pet insurers, MetLife Pet defines a pre-existing condition as any injury or illness contracted, manifested, or incurred before the policy effective date. This means conditions affecting your pet before the effective policy date (regardless of medical notation, diagnosis, or treatment) are excluded from coverage.

Pets of any age could develop conditions requiring expensive medical treatment or be involved in an accident. That’s why it is essential to have coverage before an incident occurs.

If your pet had an accident or is diagnosed with an illness before you get pet insurance, you may be subject to pre-existing conditions. But remember, even if your policy cannot cover the pre-existing incident, your investment covers your pet’s future and the health of your furry family member for years to come.


5 disadvantages of pet insurance
  • Not routine visits aren’t always covered. …
  • You might still have out-of-pocket costs. …
  • Not an option for pre-existing conditions. …
  • You pay upfront costs. …
  • You might not use all the benefits.
Is it worth the money? If you take advantage of all the benefits of the best pet insurance health plan, they can work out very good value and save you money. In comparison to if you were paying individually for vaccinations and veterinary licensed flea and worming treatments.

What is lifetime pet insurance?

Lifetime pet insurance is the most extensive pet insurance cover you can get for your cat or dog. As long as you keep renewing your policy, it’ll last for their whole life and pay out for every new condition up to the policy limits each year.

Meet the team

About Coach B.

After starting his financial career with Phoenix Home Life Insurance Company back in 1992, Scott decided he wanted to provide people with an easier and more enjoyable way to buy life insurance. That was the start of Coach B. Life Insurance, whose mission is to be transparent, honest, and helpful to customers — without ever bugging or pushing them.

In the years since then, he has worked tirelessly to improve the process of shopping for insurance. His goal is to make sure that everyone who comes to Coach B. — whether they end up buying a policy or not — has the best possible experience.

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