Should You Have Pet Insurance?

Veterinary medicine, much like human medicine, is in a constant state of evolution. New medical advances are available every day that once were not options for our pets.

The great news is that because of these advances, our pets are living longer than ever before. The downside occurs when not every pet owner can afford the often high costs associated with this level of care. For this reason, pet insurance is becoming more common among owners who are looking for ways to proactively manage the health care costs of their pets.

Many companies offer pet insurance, but of course, not all are created equal. At , we recommend Pet Plan USA, Trupanion and Purina Care. Each company reimburses pet owners based on a percentage of the veterinary expense rather than a pre-selected fee schedule.

Pet Plan USA – Average client satisfaction rating 9.3 out of 10

Phone: (866) 467-3875

Pet Plan USA offers three levels of coverage so you can select the level that fits your needs and budget. Annual plan coverage limits range from $8,000 up to $20,000.  Reimbursement rates are between 70 and 90 percent, depending on the plan you select.

Additionally, you have the flexibility to select deductible amounts and add supplemental insurance if you choose to further lower costs. You may obtain a quote online and even save five percent by enrolling via the website.

Trupanion – Average client satisfaction rating 8.8 out of 10

Phone: (800) 569-7913

Trupanion does not currently have a payout maximum and reimburses at 90 percent of your veterinary expense.  You may obtain a quote and enroll online or connect with a live representative to guide you through the information.

Purina Care – Average client satisfaction rating 8.5 out of 10

Phone: (877) 878-7462

Purina Care offers up to three different plans (depending on the state), including one basic package, one that offers coverage for preventive care and one that only offers accident coverage. Quotes and enrollment information are available on the company’s website.

For more information about pet insurance, visit www.petinsurancereview.com, a comprehensive website that allows prospective policyholders to read reviews and view overall ratings of several different companies.

Dr. Michele Drake, veterinarian and owner of The Drake Center for Veterinary Care, has been treating pets in Encinitas for over 20 years. For more information on pet health or to schedule an appointment for your pet, please call The Drake Center at (760) 753-9393 or visit www.thedrakecenter.com.