When it comes to having an animal, one of the most important things to consider is having pet insurance. This ensures your pet is protected if anything wrong occurs to them medically.
For example, if your dog happens to swallow something they shouldn’t have, you can take them to the nearest pet hospital, and the insurance you have will cover your animal. However, if you do not have pet insurance, you need to pay a high bill! You can avoid this by getting insurance early enough in their lives.
With that being said, we will be reviewing the best pet insurance in Utah. They are as follows:
- Fetch
- Spot
- Pumpkin
- Embrace
- Aspca
- Care Plus
- Met Life
- Progressive Pet Insurance
This article discusses each of these types of insurance in more depth below. Afterward, we will answer many pet owners’ frequently asked questions, such as if the insurance is accepted Nationwide or when the best time to purchase pet insurance is. This is an article you do not want to miss out on reading!
Why Is Pet Insurance Important?
Pet insurance is essential because you do not have to deal with an unexpected bill at the end of the day. For example, if your pet accidentally swallows something they should not have, you will not need to pay hundreds of dollars out of pocket. Instead, you will have peace of mind knowing your fur baby is cared for, and you will not need to feel the need to earn a little extra cash to care for your pet correctly.
What Is the Best Pet Insurance in Utah?
The best pet insurances are the ones that cover the most, provide excellent customer service, and are incredibly affordable. Pet insurance gives you many animal benefits, so let’s dive deep into each detail below.
1. Fetch
Fetch is an excellent choice when it comes to your pet’s health. This specific insurance allows you to customize what you want. More specifically, you can control the maximum annual payout (5k, 10k, or unlimited), the yearly deductible, and the reimbursement rate (70, 80, or 90 percent.)
This specific pet insurance covers multiple injuries and illnesses, but what makes Fetch unique is that their plan covers things that most providers would charge extra for. These things include dental, complete sickness, and breed-specific issues covered.
You can use any vet within the USA and Canada, meaning you have flexibility on where you send your animal. Not only this, but you can submit claims fast by taking pictures of your vet documents and answering a few questions about the treatment of your pet.
Afterward, it is a waiting game of as little as 2 days after the claim is approved to get your money back. This is done via direct deposit, so you do not need to worry about cashing in a check or anything extra.
2. Spot
Spot offers affordable plans for your pet and provides two different plan options:
- Accident and illness
- Accident only
You can select a 70, 80, or 90 percent reimbursement rate with an annual deductible and coverage limit. Although Spot covers many health concerns for your pet, some limitations exist. These restrictions include cosmetic procedures, breeding costs, preexisting conditions, and waiting periods.
On top of these plans, you can add dental to your plan. Another option is to get preventative care coverage, which includes dental, spaying and neutering, and wellness exams. Both of these things cost extra, so keep that in mind beforehand.
However, you can go to any vet in the USA or Canada that suits your needs. If you have an emergency and need to take your pet to the nearest vet immediately, you do not have to worry about going too far out.
Once you are finished at the vet, you submit your claim online (which is fast and easy) and get paid fairly quickly. Thankfully, you can choose whether to use direct deposit or a check.
3. Pumpkin
Pumpkin has a reimbursement plan of 90% for all eligible vet bills for illnesses and accidents. You can customize the annual coverage limit and deductible. This insurance plan covers any issues, including the following:
- Injuries and accidents
- Chronic conditions
- Illnesses
- Behavioral
- Dental
- Hereditary and congenital conditions
However, Pumpkin does not cover certain aspects, like preexisting conditions, spaying and neutering, cosmetic and elective procedures, vaccines, wellness exams, and other preventative care.
With Pumpkin, you create a plan that suits your budget and animal needs, visit the vet for any accidents or illnesses, then submit your claim and get your money back through a deposit or check.
4. Embrace
Embrace covers many things, including but not limited to ER care, physical therapy, cancer treatments, dental trauma, and more. This specific pet insurance is unique because it offers fast claims by MyEmbrace, a 24/7 pet helpline, 10% multi-pet discounts, and covers exam fees. They are rated #1 pet insurance on Forbes.
No network is needed for vet care, as Embrace accepts any vet within your area. Lastly, you can customize your Embrace insurance by specifying what annual reimbursement, annual deductible, and compensation rate of 70, 80, or 90 percent.
5. Aspca
For those who need some coverage for their pet and want to pay a manageable amount, Aspca can help you with that, as they have two very affordable plans: Complete Coverage and Accident-Only.
Complete Coverage is for when your animal is hurt or sick. This protection includes accidents, injuries, illnesses, dental diseases, behavioral issues, hereditary conditions, etc. On the other hand, the Accident-Only plan is for animals with new injuries and accident-related emergencies.
6. CarePlus by Chewy
Did you know some major companies, like Chewy, offer pet insurance for your fur babies? You can access the best veterinary care with CarePlus, and this plan allows you to customize it to suit your animal’s specific needs. No matter what, you can have peace knowing your animal is taken care of.
There are quite a few unique things about CarePlus. Here is a quick rundown of them:
- Direct payments: your invoice can be submitted through a claim or paid to the vet directly within minutes.
- No payout limits
- 100& Rx coverage
- Telehealth vet services online
7. MetLife
MetLife will reimburse you up to 90%, covering any breed with no lifetime or per-incident limits. Not only that, but you can take your animal to any vet with a hassle-free claim process. If you are a mobile user, conveniently download their mobile app for quicker usage. Lastly, the reimbursement takes less than two weeks to return, leaving you stress-free!
8. Progressive Pet Insurance
Yet another major company that does pet insurance is Progressive. Many know this company is excellent at dealing with car and home insurance, but you can also protect your money from unexpected vet costs. You can get accident, illness, surgery, and hospitalization coverage. The plans cover up to 90% of your vet bill, making it a fantastic option!
What Is Not Covered by Pet Insurance?
Pet insurance does not cover some things, like preexisting conditions or anything outside your policy terms. For example, if you did not purchase a plan covering wellness exams, you must pay it out of pocket. Still, it is essential to carefully read their fine print before buying a policy to ensure you get what you want and need for your animal.
How Do You Choose the Best Pet Insurance for You?
The main point of having pet insurance is that you do not need to spend a massive amount of money to care for your fur baby. In that case, choosing an insurance provider that will help reduce your vet bill when push comes to shove is extremely important. Not only that, but find a provider that will cover your animal’s specific needs, such as behavior issues, dental care, or diabetes.
How much you will be spending depends on your situation and what factors come into play. For example, if you have a male pet, a large animal breed, or a dog, the monthly cost will be more than usual. Also, if you live in an urban area, the insurance may cost more than in a rural area.
Something else to consider is that some insurances provide add-on coverages for vaccines, routine care, exam fees, food, or prescription medicine. In that case, consider spending extra money to ensure your pet gets the best treatment possible. Although it is optional, it could still save you money.
Lastly, provide accurate information to the providers to get a more accurate quote from the insurance companies. For example, you will need the breed, age, medical history, address, and other personal information they request. You can do this online for most pet insurance companies.
Is Pet Insurance Accepted Everywhere?
Most pet insurance is accepted everywhere because you must pay something during routine and emergency visits. This is because veterinarian offices do not go through the process of contacting your insurance provider. However, you will get reimbursed directly through your insurance provider, so immediately contact them to ensure it goes through quickly.
Note: When considering an animal hospital near you, check out what is included, as some insurance policies may give a discount for using a specific practice they partnered with.
When Is the Best Time to Buy Pet Insurance?
The best time to buy pet insurance is when your pet is young and healthy. This is because buying a policy for younger animals is more affordable than purchasing one when they are older.
Another thing to consider is that if your pet becomes ill or injured and you get pet insurance afterward, you will need to pay the vet bill out of pocket. However, if you already have pet insurance, it will cover you for medical issues that may occur later in life.
Final Thoughts
There are many different pet insurances out there. However, we hope this article was helpful for you to find which one is most suitable for you and your fur baby! Little Pet Corner is here to help you with any questions about small animal care. We encourage you to check out our other articles to ensure your questions get answered. Until next time!
