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Top 10 Pet Insurance Plans of 2022

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Top 10 Pet <br> Insurance Plans of 2022

Best pet insurance plans for your pet! Read our reviews and articles to choose the best plans for your pet

<h1 id="desktop-title" class="title">Best pet insurance plans for your pet!</h1>

<p>We’ve gathered, compared, and ranked the biggest names (or claim to be) in pet insurance so you can give your four-legged companions the best insurance.</p>
<p>Having pet insurance will ease your worries and reimburse costs for some unavoidable vet bills. But getting the best pet insurance would need careful studying because there are no standardized policies and the wide range of options make it hard to compare plans and companies.</p>
<p>Some policies cover both accidents and illnesses but you’ll find others covering only treatment costs after accidents. While these accident-only plans may be cheaper, they don’t offer protection in case your pet gets sick.</p>
<p>Pet insurance plans also differ in their payout limits, waiting periods, exclusions, and age restrictions. There are also plans that reimburse higher portions of vet bills compared to others.</p>
<p>Some companies also offer coverage for routine care like annual vaccinations and wellness visits. You’ll also find add-ons such as coverage to pay for finding a lost pet.</p>
<p>To make it easier to sort through your options, we’ve put together this comprehensive comparison of the top pet insurance companies in the U.S.</p>
<p>&nbsp;</p>
<h2><img loading="lazy" class="aligncenter wp-image-27459 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Dog-at-the-vet-with-his-owner-and-the-doctor.jpg" alt="Dog-at-the-vet-with-his-owner-and-the-doctor" width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Dog-at-the-vet-with-his-owner-and-the-doctor.jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Dog-at-the-vet-with-his-owner-and-the-doctor-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></h2>
<h2>Best Pet Insurance Companies</h2>
<p>We’ve listed below the major pet insurance companies, their pros, cons, and unique features. The information we’ve provided will give you a general overview of what each company offers but details may vary per state and territory.</p>
<h3>ASPCA</h3>
<p>Yes, ASPCA, the American Society for the Prevention of Cruelty to Animals, is famous for its animal shelters. But they also offer solid pet insurance through their insurance partners! Their coverage includes prescription food to treat a covered condition, holistic treatments, and behavioral therapy which other companies exclude.</p>
<p>There are also other perks you get to enjoy from APSCA. When it comes to enrollment, they don’t require medical records or vet exams. The waiting period for cruciate injuries is only 2 weeks compared to many companies that have waiting periods of as long as 6 months. APSCA also offers a 10% discount when you enroll multiple pets.</p>
<h3>APSCA in summary:</h3>
<p><strong>• Animals covered:</strong> Cats, dogs, and horses only<br />
<strong>• Age restrictions:</strong> Minimum age is 8 weeks and there is no upper age limit.<br />
<strong>• Coverage limits:</strong> $3,000 &#8211; $10,000 annually with an unlimited option<br />
<strong>• Deductible options:</strong> $100, $250 or $500 annually.<br />
<strong>• Reimbursement options:</strong> 70%, 80% or 90%.<br />
<strong>• Accident-only plan:</strong> Available<br />
<strong>• Wellness coverage:</strong> Available<br />
<strong>• States available:</strong> In all 50 states including Washington, D.C.</p>
<h3>Embrace</h3>
<p>Embrace offers far more generous coverage compared to most pet insurance companies. The standard accident and illness plan already includes alternative therapies such as chiropractic care, acupuncture, and physiotherapy. Exam fees for covered conditions are paid for and behavioral treatments are reimbursed as long as they’re provided by a certified vet.</p>
<p>On top of this, you get an automatic 10% off when you insure more than one pet with Embrace. If you’re active military or veteran, you can get a 5% discount in every state except for Tennessee and New York.</p>
<p>Lastly, although there’s a 6-months waiting period before your dog’s orthopedic injuries are covered, you can reduce this period to 14 days with a vet exam.</p>

<h3>Embrace in summary:</h3>
<p><strong>• Animals covered:</strong> Cats and dogs only<br />
<strong>• Age restrictions:</strong> Minimum age is 6 weeks. Pets up to age 14 are eligible for accident and illness coverage, which can be maintained life-long. Pets aged 15 and above are eligible only for accident coverage.<br />
<strong>• Coverage limits:</strong> $5,000 &#8211; $30,000 annually.<br />
<strong>• Deductible options:</strong> $200 &#8211; $1,000 annually.<br />
<strong>• Reimbursement options:</strong> 70%, 80% or 90%.<br />
•<strong> Accident-only plan:</strong> Available<br />
<strong>• Wellness coverage:</strong> Available except in Rhode Island.<br />
<strong>• States available:</strong> In all 50 states including Washington, D.C.</p>
<h3>Lemonade</h3>
<p>Lemonade is a revolutionary digital-first pet insurance company. They offer a good bet for pet owners who want to do everything online and avoid the hassle of long drives and long lines.</p>
<p>Since they don’t have an option for phone service, you can buy a policy only through their website or app. You’ll file claims on the app too, and according to the company, about 30% of them are immediately paid out.<br />
They take a flat fee from each premium as its profit and then use the rest to pay claims. If there’s anything left over at the end of the year, Lemonade donates it to a nonprofit organization of your choosing.</p>
<h3>Lemonade in summary:</h3>
<p><strong>• Animals covered:</strong> Cats and dogs only<br />
<strong>• Age restrictions:</strong> Minimum age is 2 months old. Maximum age limits vary per breed.<br />
<strong>• Coverage limits:</strong> $5,000 &#8211; $100,000 annually<br />
<strong>• Deductible options:</strong> $100 &#8211; $500 annually<br />
<strong>• Reimbursement options:</strong> 70%, 80% or 90%.<br />
<strong>• Accident-only plan:</strong> Unavailable<br />
<strong>• Wellness coverage:</strong> Available<br />
<strong>• States available:</strong> AL, AZ, AR, CA, CO, CT, GA, IL, IN, IA, MD, MI, MS, MO, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI.</p>
<h3>Pumpkin</h3>
<p>Pumpkin keeps pet insurance simple with one accident and injury plan that automatically reimburses 90% for all pets. There’s an option to choose between two annual coverage limits and add on a preventive care package. There’s a short 2-week waiting period to get coverage for accidents and injuries.</p>
<p>The company will cover and won’t charge extra for dental illnesses, behavioral issues, and vet fees for covered conditions and alternative therapies.</p>
<p>You can simply file claims online through Pumpkin’s website. You can even arrange for the company to directly pay vets which don’t require an upfront full payment. This is a helpful perk if you don’t have the needed cash on hand.</p>
<h3>Pumpkin in summary:</h3>
<p><strong>• Animals covered:</strong> Cats and dogs only<br />
<strong>• Age restrictions:</strong> Minimum age is 8 weeks and there’s no maximum age limit.<br />
<strong>• Coverage limits:</strong> $10,000 or $20,000 annually for dogs and $7,000 or $15,000 annually for cats.<br />
<strong>• Deductible options:</strong> $100 &#8211; $500 annually<br />
<strong>• Reimbursement options:</strong> 90%.<br />
<strong>• Accident-only plan:</strong> Unavailable<br />
<strong>• Wellness coverage:</strong> Available<br />
<strong>• States available:</strong> In all 50 states including Washington, D.C.</p>
<h3>Spot</h3>
<p>Spot offers fairly comprehensive pet insurance plans which include alternative treatments, behavioral therapies, and diets prescribed to treat a covered condition. They also offer customizable policies, including more than half a dozen different annual coverage limits and even an unlimited option.</p>
<p>Spot’s waiting period is 14 days for everything, including both accidents and illnesses, and no exception for cruciate ligament issues. The company offers a 10% discount when you enroll multiple pets.</p>
<h3>Spot in summary:</h3>
<p><strong>• Animals covered:</strong> Cats and dogs only<br />
<strong>• Age restrictions:</strong> Minimum age is 8 weeks and there is no upper age limit.<br />
<strong>• Coverage limits:</strong> $2,500 annually to unlimited.<br />
<strong>• Deductible options:</strong> $100 &#8211; $1,000 annually<br />
<strong>• Reimbursement options:</strong> 70%, 80% or 90%.<br />
<strong>• Accident-only plan:</strong> Available<br />
<strong>• Wellness coverage:</strong> Available<br />
<strong>• States available:</strong> In all 50 states including Washington, D.C.</p>
<h2>Top Tips to Get the Best Pet Insurance</h2>
<p>Because the costs and types of plans vary per company, considering your options is a must before choosing a plan. Here are some tips to buy the best pet insurance:</p>
<h3>1. Check your pet’s eligibility</h3>
<p>Depending on the provider, puppies, and kittens typically must be 6 &#8211; 10 weeks old to be insured. More senior pets may not be eligible for first-time enrollment for some companies, or would only qualify for accident-only coverage. However, once the pet is enrolled, most plans will offer coverage for life as long as you continue paying the premiums.</p>
<h3>2. Decide how much coverage you need</h3>
<p>Since most pet insurance plans have a cap for the amount they pay out per year (some even including lifetime limits), you need to decide the amount that gives you enough peace of mind for paying vet bills.</p>
<p>If your pet is relatively healthy, you can go years without paying for anything except routine care. Keep in mind though that just one unexpected surgery or serious illness could mean up to thousands of dollars in expenses.</p>
<h3>3. Study the reimbursements and deductibles</h3>
<p>Pet insurance plans will reimburse you for a percentage of your vet bill and you can generally choose between reimbursement levels from 70%, 80%, or 90% when you buy the plan.</p>
<p>Some plans pay a standard fee deemed by the company for a given treatment. This may be less than what your vet charges and you will be responsible to pay for the remainder.</p>
<p>Most plans also have a deductible, this is the dollar amount you pay out-of-pocket before your policy pays. Different plans allow you the option to choose from a range of deductibles, from $100, $250, or more. Some providers apply deductibles for each injury or illness that’s treated while others will have you pay the deductible annually.</p>
<p>As a general rule of thumb, the lower your out-of-pocket costs are, the more you’ll pay for coverage.</p>
<h3>4. Check the exclusions and waiting periods</h3>
<p>Most plans have short waiting periods such as 14 days. During this period, any treatment is not covered. Some plans would have longer waiting periods for certain conditions, most common are cruciate ligament injuries, and orthopedic issues for dogs.</p>
<p>Meanwhile, some plans don’t cover certain conditions like hip dysplasia, or certain expenses like exam fees when your dog or cat gets injured or sick. You may even need to pay more for this coverage in some instances.</p>
<h3>5. Read the extra costs</h3>
<p>There are pet insurance companies that offer coverage for routine wellness and this may sound tempting. But do the math first to find out if it’s really worth the extra cost. Compare the yearly wellness insurance premium with the cost you’d pay annually on your own for services that are covered by the plan.</p>
<p>Always read the details, because items that are covered for “wellness” will vary by the pet insurance company.</p>
<h3>6. Compare pricing</h3>
<p>Digging into the details is the best way to get the best insurance for your pet. Get quotes for several plans and make a fair comparison. Before buying a plan, understand its details first. So when your four-legged friend gets sick, you’ll know exactly what your insurance covers and won’t get taken by surprise.</p>


Finding The Best Insurance Plan For Your Pet

<p>Do you know what to do if your pet gets injured or involved in an accident? When you get injured, you know that you should clean the wound or put a hot and cold compress on the injured area. However, pets don’t exactly tell you when they’re feeling pain and they may even try to hide it. If you do notice that they’re nursing a wound or cut, it’s important to take action immediately.</p>
<p>You need to be extra careful if your pet is injured but you’re unsure where. Things may get worse if they feel pain as you try to examine the situation which could lead to them biting or scratching you. When you see that something is not right, reach out to your vet and notify them that your pet is injured. However, if you can’t reach your vet and the pet needs immediate attention, follow the steps for first aid.</p>
<p><img loading="lazy" class="aligncenter wp-image-27467 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Cute-border-collie-puppy-with-an-emergency-kit-isolated-600X400.jpg" alt="Cute-border-collie-puppy-with-an-emergency-kit-isolated-600X400" width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Cute-border-collie-puppy-with-an-emergency-kit-isolated-600X400.jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Cute-border-collie-puppy-with-an-emergency-kit-isolated-600X400-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>&nbsp;</p>
<h3>Cuts and bleeds</h3>
<p>Cats and dogs can get wounds from a number of situations including a fight with another animal and sharp object piercing their skin. Do not panic since this can also place more stress on the animal. The important thing is to stop the bleeding as soon as possible. Get a clean towel to cover and apply pressure on the open wound. Examine the wound once you successfully stop the bleeding. If you find a small cut, you can disinfect the cut to prevent an infection.</p>
<p>A cup of water with a teaspoon of salt is a good solution for cleaning wounds. Do not use antiseptics that are made for people since this might irritate the animal’s skin. Even if it’s a small cut, you should still bring your pet to a clinic so they can clean and dress it properly. If your pet has a bigger wound and the bleeding doesn’t subside, try your best to bring them to an emergency clinic since the situation may require stitches.</p>
<h3>Ticks</h3>
<p>You should remove ticks from your cat or dog as soon as you find one. Place the tick in a sealed container or plastic bag and take it to the vet to determine what kind it is. If the vet is not available, go to an emergency hospital instead. If ticks are not removed fast enough, your pet can develop tick paralysis.</p>
<h3>Seizures</h3>
<p>Epilepsy is a neurological disorder common among cats and dogs which leads to seizures. Seizures can last for up to three minutes. If your pet experiences a seizure, do not place your hand near or in their mouth. Do your best to keep their body steady and prevent them from rolling over or hitting any hard object. It’s also recommended to keep them in a calm setting when this happens.</p>
<p>If you’re dealing with seizures for the first time, it’s best to record the situation on video so that you can show it to your vet when you bring your pet after the seizure subsides. This helps the vet identify the cause of the seizure if epilepsy is already ruled out. Once the pet has calmed down and the seizure stops, go to the vet immediately. There are special medications that can help reduce or prevent episodes.</p>

<h3>Ingesting a Toxic or Poisonous Substance</h3>
<p>If your pet accidentally swallows something toxic or poisonous, call your vet right away. The home remedy that you can do in this situation is highly limited. Pets love to explore and they sometimes get access to things that are not safe for them such as householder cleaners, soap, certain food, and plants.</p>
<p>If your vet is unavailable, find an emergency clinic where you can bring your bet. Bring a sample of the food or substance with the packaging if available. Your vet will be able to determine how severe the situation is. Household cleaners and soap are extremely dangerous to pets since they can cause ulcerations and burn which lead to pets inhaling their own vomit.</p>
<h3>Limping Problems</h3>
<p>If you notice that your pet is limping, this may be an indication of severe injury. When this happens, ensure that your pet avoids running around or doing any activity that can lead to more pain. There are several causes that can lead to limping such as dislocated bones, damaged ligaments, ingrown nails, broken bone, a cut or wound on the footpad, sprain, spine issues, inflammation between the toes, and arthritis.</p>
<p>To provide temporary relief, apply an ice pack to the area. Don’t apply it directly to their skin. Wrap the ice pack with a towel. Your pet may resist or try to run away because of the cold. If the ice is too much for them, do not force it on them. Go to the vet as soon as possible to determine the cause of the limp. Your vet may need to perform an X-ray depending on how severe the injury is. If the limping has been prolonged, your pet may need to take supplements to help with mobility issues.</p>
<h3>Nails and Claws</h3>
<p>It hurts when your nails get broken or bent backward. Our pets also feel the same kind of pen. When you find a torn or broken nail, you can bandage the paw as a temporary solution to prevent the nail from moving and flailing. The solution for broken nails is usually a nail strip where the vet removes the damaged nail. If there’s blood, use a clean, non-stick bandage to cover the nail and stop the bleeding. Ensure that the bandage is secure but don’t wrap it too tight.</p>
<h3>Breathing and Heat Issues</h3>
<p>If you live in an area that gets extremely hot weather, you should find solutions to ensure that your pets stay cool especially in the summer. Keep them indoors during the warmer season and turn on fans or air conditioning when the temperature reaches 90 or 100. If you have to go out, always bring a bottle of clean and fresh water and make sure that your route will have enough shade from the sun. If your pet is struggling from too much heat, breathing or panting heavily, call the vet immediately.</p>
<p>It’s best to be prepared for any scenario. Pet owners should also keep a first aid kit customized for their pets. When your cat or dog gets a minor injury, you can deal with it as soon as possible. Keep absorbent gauze pads, disposal gloves, tape, blunt-end scissors, cotton swabs, and tweezers in your kit. These will come in handy for situations where you can’t bring your pet to an emergency clinic right away. It’s also a good idea to learn basic CPR for pets should an emergency arise and no vet clinic is available.</p>


First Aid Remedy For Pets

<p>Pre-existing conditions are defined as any present health issue or condition diagnosed before the start of your pet insurance coverage. This is why the sooner you enroll in coverage the more you get out of your pet insurance.</p>
<p>So, are pre-existing conditions covered by pet insurance companies? The short answer is no. There are no pet insurance or even subscription-based alternatives that cover a pet’s pre-existing conditions. But don’t worry! Even if your animal companion does have a pre-existing condition, they can still get covered for separate or unrelated injuries and illnesses. On top of this, some pet insurance providers cover certain “curable” conditions.</p>
<p>This article will guide you through everything you need to know when it comes to caring for a pet with a pre-existing condition.</p>
<h3><img loading="lazy" class="aligncenter wp-image-27456 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Happy-dog-puppy-as-lying-in-the-grass.jpg" alt="Happy-dog-puppy-as-lying-in-the-grass" width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Happy-dog-puppy-as-lying-in-the-grass.jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Happy-dog-puppy-as-lying-in-the-grass-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></h3>
<h3>Providing Affordable Treatment to Pets with Pre-existing Conditions</h3>
<p>Did you know that more and more pet parents consider their dogs and cats as any other member of the family? In fact, 95% of people believe in treating pets like family. Along with this trend, pet insurance has grown in popularity. Pet insurance coverage gives pets access to the best veterinary care while reducing the costs for pet parents. In the United States and Canada alone, more than 2 million pets have been insured by the end of 2017, and in the past few years, this number has continued to grow.</p>
<p>However, the rise in its popularity means that many are talking about an all-too-familiar issue in pet insurance — the difficulty of getting a pet with a pre-existing condition insured.</p>
<h3>What are Different Pre-existing Conditions?</h3>
<p>Any medical condition that has been diagnosed before your pet’s health insurance takes effect is deemed a pre-existing health condition. From the point of view of insurance companies, covering a pet with a pre-existing condition is deemed high-risk. And the likelier case is that the pet insurance company will be paying out far more in medical benefits to that pet’s owner than to other policyholders.</p>
<p>Now, the bitter truth is, you won’t find a pet insurance plan that covers pre-existing conditions. But! You can still have your pets insured while reducing the costs of treatment for their pre-existing conditions.</p>
<p><strong>1. Curable Pre-existing Conditions</strong></p>
<p>We know we just said pre-existing conditions are not covered but if they’re “curable” conditions, some pet insurance providers do cover them. To keep it simple, a curable pre-existing condition is any condition that is present before your insurance policy takes effect but allows for recovery within a certain period.</p>
<p>Here are some examples of curable pre-existing conditions:</p>
<p>• Ear infections<br />
• Upper respiratory infections<br />
• UTI or Urinary tract infections<br />
• Diarrhea<br />
• Some gastrointestinal problems</p>
<p>If ever your pet has any of the above conditions, once they are cured and have recovered then they will be eligible for full coverage.</p>

<p><strong>2. Understanding Chronic Pre-existing Conditions</strong></p>
<p>Now compared to a curable pre-existing condition, a chronic condition is one that cannot be cured and will be affecting your pet throughout its lifetime. These chronic pre-existing conditions are not covered by pet insurance policies.</p>
<p>The most common chronic conditions pets have are allergies, arthritis, breathing problems, cancer including sarcoma, diabetes, disc problems, hip dysplasia, hyper, and hypothyroidism, kidney diseases, patellar luxation, skin diseases, torn cruciate ligaments, and cataracts.</p>
<p>That’s a lot of medical conditions but it’s important to understand them because veterinary costs are no joke! Each of these conditions could potentially mean coughing up thousands of dollars. This means that it’s better to enroll your pet in an insurance policy earlier on while they still have fewer “pre-existing conditions and this dramatically reduces the costs of your veterinary bills.</p>
<p><strong>3. Covering Certain Breed-specific and Genetic Conditions</strong></p>
<p>Yes, you’ll find that most pet insurance policies will cover breed-specific and genetic conditions. But unfortunately, they don’t cover these conditions if have them before your insurance policy kicks in.</p>
<p>The smart thing is to do is to get your pet insured why they’re still young and healthy. With this, you’ll have peace of mind that your pet is covered by your policy in the event that they get sick, injured, or even if they develop a chronic condition.</p>
<p>But for noble pet owners who chose to adopt older pets in their fur-ever homes, this non-coverage of pre-existing conditions is definitely a challenge. If you’re in a similar situation, there’s no need to worry! We’ve laid out the options you can take if your pet has a pre-existing condition.</p>
<h3>Getting Pets with Pre-existing Conditions Insured</h3>
<p>Even if your pet has a pre-existing condition, it can still qualify for pet insurance. A lot of parents of pets with pre-existing conditions actually consider forgoing obtaining insurance because they think their pets don’t qualify. Your pet should still be enrolled in insurance even with a pre-existing condition. In the unfortunate yet unavoidable event that your animal companion develops another illness or gets into an accident, not having insurance would mean paying a whole lot in out-of-pocket costs just to give your pet the care that they deserve.</p>
<h3>Options for Pets with Pre-existing Conditions</h3>
<p>Even if your pet’s pre-existing condition can’t be covered by insurance policies, there are still other options for you to prepare for the costs of your pet’s treatment and reduce your veterinary bills.</p>
<p>Top 10 Pet Insurance Plans is a company that gives pet owners the choice to help reduce the costs of their pet’s treatment even if they have a pre-existing condition. Top 10 Pet Insurance Plans in partnership with PetAssure offers the Veterinary Discount Plan, pet owners who sign up for this plan get 25% off all veterinary bills!</p>
<p>This plan can only be used with participating veterinary clinics so call your local vet first and ask if they participate in the plan before signing up.</p>
<p>On another note, it’s highly important to prepare yourself financially if your pet has a pre-existing condition that isn’t covered by your insurance policy. Do a deep dive and research the average annual and lifetime costs relating to your pet’s condition and work your budget around these costs so that you are equipped and able to cover bills for preventive care, wellness visits, and emergencies.</p>
<p>The last thing we want is to be in a position wherein we’re unable to provide our furry friends with the care they deserve because we’re not financially prepared.</p>
<h3>Conclusion</h3>
<p>As a responsible pet owner, remember that you can still get your pets insured even if they have a pre-existing condition. Although the specific pre-existing condition will not be covered by your plan, any new and unrelated condition, illness, or injury that arises will be covered.</p>


Pre-Existing Conditions: Find A Plant For Your Pet

<p>Insurance is also available for pets that can save their owner’s pockets from veterinary bills when became ill or injured. A pet wellness plan is an available feature that can be included in many pet insurance policies.</p>
<p>Pet wellness and pet insurance functions similarly however pet wellness plans are focused on regular procedures that your pet may need. Vaccinations, wellness exam fees, and dental care are only some of the procedures included in a wellness plan. The thing is, veterinary care will always be available and for your pet, it is a must to keep them healthy and strong and the owner, happy and contended.</p>
<p>Let’s find out more about the features of a wellness plan, how it functions, and why most insurance plan includes this.</p>
<p>A pet wellness plan is also referred to as a “preventive plan”. Physical exams, deworming, parasite control are among others that are covered by wellness plans. It reimburses the money you spent for checkups on your pet’s veterinary visits which can save a lot of money.</p>
<p>Most insurance companies offer their service wellness plans for both cats and dogs as well as wellness plans as an additional option. Meanwhile, there are some veterinary clinics that offer wellness plans and preventive care for puppies primarily.</p>
<p><img loading="lazy" class="aligncenter wp-image-27455 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Owner-hug-his-dog.jpg" alt="Owner-hug-his-dog" width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Owner-hug-his-dog.jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Owner-hug-his-dog-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>&nbsp;</p>
<h2>Key Takeaways</h2>
<p>Pet Insurance companies and veterinary facilities offer pet wellness plans as supplementary to cover the expense of preventative treatment for your pet.</p>
<p>Providers&#8217; plans are different from one another.</p>
<p>Determine which plan and provider are the best for your pet’s needs.</p>
<p>Every penny that you spent on a preventive care plan is worth it because it prevents your pet to suffer from underlying health conditions and issues that they may have in the future.</p>
<h3>Pet Insurance versus Pet Wellness Plan</h3>
<p>Pet wellness plan covers the routine care that your pet receives while pet insurance is mainly for unexpected illness or injuries.</p>
<p>Do you have any idea how pet insurance works? In a nutshell, it reimburses you for the money you paid for the vet&#8217;s services. Unexpected veterinary bills, primarily for injuries and sickness, are the major purpose of insurance coverage. If you see your pet feeling unwell or is lethargic, bringing them to the vet is a must. Tests will be conducted to find out what is wrong. From this, if such tests are covered by your pet insurance provider, you can expect them to be paid for. The covered illnesses and injuries will also be shouldered by the insurance company.</p>
<p>Pet owners get insurance to reduce expenses and ensure their pet’s health and safety at the same time. Accident and injury plans are the popular types. Aside from medications and emergency veterinary care, insurance plans can also cover the cost of x-rays and CT scans for dogs. They can also cover the cost of procedures and surgeries in line with the chosen plan.</p>

<h3>Preventive Health Care for Pets</h3>
<p>A healthy pet means happy life for owners. It&#8217;s crucial to keep your pet healthy with preventative treatments. Pets have a lot of problems with their health, and it&#8217;s not hard to see why. Severe medical problems are obviously distressing for pets and also costly. That’s when preventive care comes in.</p>
<p>Take a look at some of the possible health complications for animals:</p>
<table width="600">
<tbody>
<tr>
<td width="283"><strong>Health Complication</strong></td>
<td width="317"><strong>Symptoms</strong></td>
</tr>
<tr>
<td width="283">Gingivitis, periodontal disease, oral cancer</td>
<td width="317">Oral discomfort, tooth abscesses, tooth loss, systemic infection, and cancer development might all affect your pet&#8217;s health.</td>
</tr>
<tr>
<td width="283">Inflammatory liver disease, toxic reaction to certain drugs, liver cancer, &#8220;Cushing Syndrome&#8221;</td>
<td width="317">Jaundice, liver failure, bleeding disorders, cancer development, anemia, and deadly signs might endanger your pet.</td>
</tr>
<tr>
<td width="283">Acute and chronic kidney diseases, kidney stones, kidney infection</td>
<td width="317">It&#8217;s possible that your pet will get irreparable kidney damage, renal failure, high blood pressure, blindness, anemia, and other life-threatening symptoms.</td>
</tr>
<tr>
<td width="283">Bronchitis, heart muscle disease, leaky heart valves, irregular heart rhythms, heartworm disease</td>
<td width="317">Poor circulation, fluid build-up in the  /or abdomen, congestive heart failure, pneumonia, and sudden death are all possible problems for your pet.</td>
</tr>
<tr>
<td width="283">Arthritis, hip dysplasia, torn cruciate ligament, degenerative back disease, cancer</td>
<td width="317">Pain, impaired movement, worsening sickness, and paralysis.</td>
</tr>
<tr>
<td width="283">Diabetes, thyroid disease, adrenal disease</td>
<td width="317">Cataracts, blindness, skin infections, hair/coat changes, hair loss, collapse, and deadly symptoms.</td>
</tr>
<tr>
<td width="283">Corneal ulcers, cataracts, dry eye, glaucoma</td>
<td width="317">Pain, loss of sight, and gradual blindness.</td>
</tr>
<tr>
<td width="283">Intestinal parasites, inflammatory bowel disease, pancreatitis, cancer, colitis, infection</td>
<td width="317">Inability to absorb nutrition, wasting, stomach discomfort, and cancer development.</td>
</tr>
<tr>
<td width="283">Toxic allergies, fleas, mite-infested skin, tick-infested skin, and ear infections</td>
<td width="317">Tick-borne illnesses, tick-borne diseases, and loss of hearing.</td>
</tr>
</tbody>
</table>
<p>A single preventive procedure is reasonably priced but the whole cost of wellness care can be rather expensive. A dental cleaning and wellness exam for a dog, for example, costs around $150. You may be eligible for a $100 per year reimbursement for dental cleanings if you have a wellness plan. See how much you can save?</p>
<p>Routine care is done for most adult dogs and cats once a year. However, puppies require more attention given their age so you will be needing to pay visits to the vet multiple times within their first year, get the basic vaccinations, and tests to make them comfortable and happy at the start of life.</p>
<p>Of course, as your pet ages, they may also require more frequent maintenance. If you acquired a wellness plan early enough, you can just sit back because your pet will receive all of the routine care they require. Along with this, if good health is recorded on every regular examination twice a year for older pets, a lot of money can be saved on pet insurance.</p>
<h3>Is Purchasing a Pet Wellness Plan a Smart Option?</h3>
<p>Normally, you should incorporate a wellness plan as a supplement to your pet insurance policy rather than purchasing it as it is. A wellness plan remains optional so it’s up to you whether you’ll purchase it or not.</p>
<p>It is very advisable for new pet owners to sign up for wellness plans considering the amount of money you can save on veterinary appointments. The cost of a monthly preventative care plan may start as low as $9.95. You can take your pet to the once per year but even if, it&#8217;s likely that the expense on your wellness visit may exceed $120 because of many medical screenings to assess your new pet’s health.</p>
<p>Wellness plans for both dogs and cats are available from trusted insurance providers. A wellness add-on may or may not be included in your pet&#8217;s current insurance policy and the company that provides the coverage. Ask for a customized recommendation routine plan based on your pet&#8217;s breed, age, and other factors because a routine care plan may not be included in some quotes.</p>
<h3>Types of Wellness Plan</h3>
<p>A variety of wellness plans for dogs and cats at various pricing ranges are offered pet insurance companies to choose from. Wellness plans that are more expensive normally include more tests and treatments, whilst those that are less expensive usually only cover the essentials.</p>
<p>There are two common types of wellness plans for pets. You can categorize them as a simple or comprehensive wellness plan. Depending on the insurance company, these policies will have different names.</p>
<p>There are two types of wellness plans available from the ASPCA Pet Health Insurance: Basic Preventive Care and Prime Preventive Care. You may add either of the two to ASPCA pet insurance plans that are eligible.</p>
<p>The routine care add-ons feature more details about the different options that can help you decide on what’s ideal for your pet. Choose one of these plans and it will be added directly to your total when you checkout. Each pet insurance provider has its own set of wellness plans, so remember that you may not get the same coverage.</p>
<p>Flea and heartworm prevention is not covered by the ASPCA Pet Health Insurance Basic Preventive Care plan. So if you’re aiming to have a plan that includes these, you&#8217;d have to sign up for their Prime Preventive Care plan.</p>
<p>On Pets Best Pet Health Insurance, on the other hand, they offer flea and heartworm prevention on their basic plan with the name “EssentialWellness”, as well as other services. Although the Pets Best plan is a little more expensive than the ASPCA Prime Preventive Care plan, you&#8217;re still receiving a lot of wellness care for that little extra money. So it’s still a concrete option.</p>
<p>Another tip when choosing a wellness plan is to consider your current location. It&#8217;s generally worth your while to invest in a plan that includes flea, tick, and heartworm prevention if you reside in an area with a high risk of these diseases. A monthly medication is needed for this which might be costly.</p>
<h3>Wellness Plan Inclusions</h3>
<p>The basics are usually included in wellness plans such as physical exams from veterinary visits. Like any regular checkups, see that the veterinarian will examine your pet if there is anything likely unusual. They will be measuring your pet’s weight, taking their temperature, and assessing their heart and lungs.</p>
<p>Emergency medical treatment and the charges of treating diseases and injuries are covered by your pet insurance and not your wellness plan. Because pre-existing illnesses are not covered by pet insurance, it is highly advisable to get your pet insured and on a wellness plan asap.</p>
<p>Wellness plans cover care diagnostics and treatments but it will always depend on the kind of plan you choose and the company you pick.</p>
<p>Here is a list of what’s usually covered in a wellness plan:</p>
<table width="600">
<tbody>
<tr>
<td width="192">Blood Tests</td>
<td width="408">The Complete Blood Count (CBC) test, the most frequent blood test used on both humans and animals, provides information on the different cell types the animal’s blood contains such as the number of their red blood cells. If the animal&#8217;s blood count shows any anomalies, it might be a sign of something more serious.</td>
</tr>
<tr>
<td width="192">Dental Care</td>
<td width="408">This generally involves a dental checkup and examinations to see irregularities that can be an indicator of dental illness. Keep in mind that it&#8217;s possible that your pet will need to be anesthetized for a dental cleaning.</td>
</tr>
<tr>
<td width="192">Deworming</td>
<td width="408">Few tests will be carried out to see if parasites such as tapeworm and roundworm inhabit your pet’s body. Oral medications will be then given once found out to remove the parasites. This may necessitate a number of treatments.</td>
</tr>
<tr>
<td width="192">Fecal Tests</td>
<td width="408">Most veterinarians believe that this should be done at least once a year. To see if there are any gastrointestinal parasites in the sample pet feces you brought to them, they&#8217;ll use a particular solution to examine it. A microscope can also be used for this.</td>
</tr>
<tr>
<td width="192">Flea, Tick, and Heartworm Prevention</td>
<td width="408">There are monthly medications for flea, tick, and heartworm given to the pet owners. These drugs may be covered by some wellness programs.</td>
</tr>
<tr>
<td width="192">Health Certificates</td>
<td width="408">Fees on getting a certificate of veterinary inspection (CVI) are covered by some wellness plans. In some cities, municipalities, or counties, you may require a pet health certificate to register your pet. And if you plan to bring your pet overseas, you may additionally require a pet health certificate.</p>
<p>&nbsp;</p>
<p>This will serve as an official document confirming that your pet is healthy and disease-free. It can also be indicated in the certificate that your pet’s vaccination is up to date.</td>
</tr>
<tr>
<td width="192">Heartworm Tests</td>
<td width="408">Heartworm tests are usually done through a blood test. Further treatments may be recommended by the vet that is still possibly covered by your pet insurance.</td>
</tr>
<tr>
<td width="192">Microchipping</td>
<td width="408">A little microchip is implanted beneath your pet&#8217;s skin during this procedure that serves as its identification. Rescuers may scan your pet&#8217;s microchip to find out where you live and who you are if it gets lost.</td>
</tr>
<tr>
<td width="192">Spay and Neuter</td>
<td width="408">A wellness plan might help you be covered for the procedure if you have an adopted pet that still has to be spayed/neutered as soon as possible after you&#8217;ve acquired them.</td>
</tr>
<tr>
<td width="192">Urine Test</td>
<td width="408">A urinalysis is a test that examines the chemical composition of your pet&#8217;s urine to examine their kidneys and urinary system. It may also be required by your pet’s veterinarian to determine diseases and disorders.</td>
</tr>
<tr>
<td width="192">Vaccines</td>
<td width="408">Routine immunizations, such as DHLPP vaccines, titer vaccines, and rabies vaccines, are included by many pet health plans. Before your young pet is deemed completely vaccinated, it usually needs multiple doses of immunizations. A wellness plan may be able to cover the expense of vaccinating a puppy or kitten who hasn&#8217;t been vaccinated yet.</td>
</tr>
</tbody>
</table>
<p>This is not a complete list of the routine care that your pet can get in a wellness plan. You can purchase pet insurance that covers prescription medicines, behavioral treatment, and even some alternative therapies, but most wellness plans include the aforementioned in some way.</p>
<h3>You Can Save More with Pet Wellness Plan</h3>
<p>You may save a lot of money on veterinarian bills if you have a pet health plan. A wellness plan on your pet insurance makes vet visits more accessible and less stressful.</p>
<p>Believe it or not, most wellness plans out there are affordable with a starting price of $10 per month. Reimbursement is available so you can save hundreds of dollars’ worth of medical procedures especially if routine checkups are done several times per year. Visiting the veterinary clinic more than once is maximizing and making the most out of your wellness plan so it really benefits not only your pet but also your wallet!</p>


Pet Wellness Plans: Cop Or Drop?

<p>Fetch is the best! I took my little poodle for a regular checkup after I found a little blood in her urine. After a few tests the doctor confirmed that he had stones in his bladder and that he needed a small operation to remove them. My vet performed the surgery and my dog was back to his happy and healthy self. This was the first time I made a claim and the expenses were settled by Fetch within a few days. Thank you for the services!</p>


Grace Lepley – Fetch

<p>This is my second time writing a review for pumpkin, don’t know why the first post never got posted! Well, I never had a pet earlier but it’s amazing to have your little pup waiting for you at the doorstep every day. I got Snow as a gift from my friend and she also suggested Pumpkin pet insurance for covering snow’s health needs. The entire situation was very new to me so I called their toll free number and asked my list of questions to their representative. Their customer service team was so understanding and helpful. I am really grateful to their entire team for answering the queries and helping me choose the most suitable plan. I have never had any problems with them. I am definitely going to recommend them to anyone who has a small pup or cat!</p>


Steve Jeffry – Pumpkin

<p>Spot turned out to be a boon for me and my pet dog, Hunk! I purchased Spot’s services right after I had adopted Hunk and never had to file a claim ever. However, when he met with an accident and injured his foreleg, Spot rightfully covered the surgery expenses. I didn’t have to pay a single dollar and that really helped pull off a lot of stress from my mind. Within months, Hunk was back to good health, running around our backyard like before. Thank you again!</p>


Mart Casey – Spot

<h1>About Pet Insurance</h1>
<p>Pet insurance in the recent years, has become a necessity for everyone who owns a pet. If you have ever taken your injured or sick pet to a vet or have paid your pet’s medical bills, you will definitely know the importance of having a pet insurance policy. However, it is more important that you choose a plan that offers coverage to almost all health and wellness needs of your little fur friend. A good pet insurance plan allows you to choose the best veterinary and wellness care facilities for your pet without you having to worry about finances.</p>
<p>With a good pet insurance policy, you may simply need to pay $500 annually or $40 per month or even less for a basic coverage plan. In return, your pet will receive good emergency care services that otherwise may cost a few hundred or thousand dollars, straight out of your pocket. A good pet insurance policy will cover even expensive treatments such as cancer radiation therapy, surgery and basic prescription medications.</p>
<p>There are some pet insurance providers that also cover preventive care services such as wellness visits and vaccines. However, many insurance companies do not cover pre-existing health conditions like hereditary health problems.</p>
<p>A good pet insurance plan gives you complete peace of mind, irrespective of whether or not your pet falls sick or suffers an injury that may force you to use pet insurance services. Without a plan, you may simply end up having to pay a costly</p>
<p>bill or make compromises on your pet’s health.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-style-params="backgroundColor=%23ffffff&borderColor=%231487d2&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%231487d2" offer-id="" data-promoe-image-src="https://2pi-spotower.vercel.app/?p=27525" data-logo-src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2021/09/fetch-small-logo.png" data-promote-text="Sign Up For FREE, Cancel Anytime. " data-button-text="Visit Site" data-partner-link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTowe" data-kidon-id="" data-offer-link="" data-conversion-label=""><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#ffffff""><div class="border-wrapper" style="border-color:#1487d2"> <div id=647ef5abf0a21 class="buttono-content" ><div class='buttono-logo__container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTowe' target='_blank'><img src='https://tower.top10petinsuranceplans.com/wp-content/uploads/2021/09/fetch-small-logo.png' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTowe' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Sign Up For FREE, Cancel Anytime. </p></a></div><div class='buttono-link-container'><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTowe' target='_blank' style='background-color: #1487d2; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTowe' target='_blank'><img class='buttono-image' src=https://2pi-spotower.vercel.app/?p=27525></div></a></div></div>
<h2>Pet Insurance – How does it work?</h2>
<p>Once you have decided to purchase a chosen pet insurance plan, you need to pay a pre-determined monthly premium for your pet’s health coverage. After a qualifying visit to your veterinary, you will need to submit the receipts to your pet insurance provider for a reimbursement. Almost all pet insurance companies make direct fund deposits into your bank account. However, there are a few that ask for reimbursement check.</p>
<p>You can file a claim for your pet’s needs, but only after you have paid an initial premium. Some pet insurance providers have a small waiting period before the policy starts covering your pet’s health and wellness. There are companies that also have deductibles upto $1,000. In such cases, the pet insurance company will ONLY pay for the eligible or pre-mentioned care and treatments after you have reached the deductible amount.</p>

<p>So, when you file a claim, your policy will refund you the decided percentage which is usually between 50-90% of the total amount. Also, your pet’s health and care may be subjected to an annual cap. As a result it is best suggested that you get a good pet insurance plan for your pet when he/she is young and healthy.</p>
<h2>Choosing the Best Pet Insurance Policy for You?</h2>
<p>With the market full of pet insurance providers, choosing a good pet insurance company gets a little confusing. So what do you do?</p>
<ul>
<li>Look for an all-inclusive pet insurance policy that covers your pet’s complete or unique health needs. For instance, you may look for a coverage plan that covers dental care, breed-based or hereditary conditions or even behavorial problems. You may also choose wellness policy that can cover your new kitten or puppy throughout its adulthood. However make sure that you review the available plans and coverage before you finalise the company.</li>
</ul>
<p>&nbsp;</p>
<ul>
<li>Check for add-on coverage services that may enhance your pet’s policy. This allows you to purchase certain supplemental insurance services such as exam fees, prescriptions meds or food, examination fees, vaccines or other routine care.</li>
</ul>
<p>&nbsp;</p>
<ul>
<li>Also check the pet insurance cost as it usually varies due to several factors. For instance, if you live in an urban area, you will end up paying more fee than that in a rural area. Also, you can save more by purchasing a good pet insurance plan during your pet’s earlier years. Moreover, your premium amount will be more if you have a male pet or a larger breed.</li>
</ul>
<p>&nbsp;</p>
<ul>
<li>For a more accurate quote, make sure that you provide detailed information about your pet. You need to provide a complete medical history of your fur friend, its age, breed and more. Other details you need to provide include your address and some other personal details as per the requirements. Almost all pet insurance companies offer you online quotes while also administering claims online.</li>
</ul>
<h2></h2>
<h2>Frequently Asked Questions</h2>


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Top 10 Pet Insurance Plans

<p>Getting the right insurance policy requires research, time, and effort. It can be a complicated and confusing process for those who never signed up for a plan before. The same goes for choosing the right pet insurance plan. Pet owners surely have tons of questions such as the type of coverage offered, the cost of monthly premiums and deductibles, or the best insurance plans for older pets. These uncertainties may even put off some pet parents from getting pet insurance altogether. That’s why we have this guide. It’s better to get a pet insurance plan sooner rather than later so you can feel at ease.</p>
<p><img loading="lazy" class="aligncenter wp-image-27463 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Woman-with-holds-two-puppies.jpg" alt="Woman-with-holds-two-puppies" width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Woman-with-holds-two-puppies.jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Woman-with-holds-two-puppies-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h2>Types of Pet Insurance Plans</h2>
<p>To start, it’s important to understand the different types of plans available. Most providers will offer a core plan that covers accidents and illness. Some insurance providers will set age restrictions which means you can only enroll your pet for a policy once they reach a certain age. There are also general wellness plans that are offered for an added monthly fee.</p>
<h3>Pet Insurance Requirements</h3>
<p><strong>Age limit</strong></p>
<p>Most pet insurance plans will set a minimum age requirement, usually at 8 weeks. However, there are a few providers that offer plans covering pets as young as 6 or 7 weeks old. It’s also important to check the maximum age limit which is crucial for those who have older pets. Some insurance plans do not have an age requirement but require pets to be enrolled before a specific age. Pet owners will find in many cases that their coverage is limited if they have older pets. Dog and cat insurance age limits will also differ.</p>
<p><strong>Pre-existing conditions</strong></p>
<p>If there’s one thing among various pet insurance providers, it’s the exclusion of pre-existing conditions from the coverage. A pre-existing condition is any medical condition that was detected before the start date of the policy or during the waiting period. The waiting period can vary but most companies set it to 15 days for accident coverage and 30 days for illness coverage.</p>
<p><strong>Breed exclusion</strong></p>
<p>Although plans do not completely exclude specific breeds, pet owners may find limited coverage depending on the breed of their pet. ACL surgery and hip dysplasia are some of the most typical restrictions for dog insurance. Most companies will set a waiting period for these conditions and some plans will not offer coverage for pets that exceed a specific age.</p>

<p><strong>Vet exams</strong></p>
<p>Check if the plan requires your pet to have a medical exam on file within the past 12 months before coverage starts. Even if the plan does not require a vet exam, it’s in your best interest to take your pet for an exam immediately after enrolling. Insurance providers will use the first exam after enrolling the pet to assess the general health and determine pre-existing conditions.</p>
<p><strong>Spay and neuter</strong></p>
<p>Depending on the location, some companies may limit coverage if a pet is not fixed before it reaches 1 year of age. You might not be able to claim reimbursement if a condition is determined to be related to the pet not being fixed such as hormonal skin conditions, prostate problems, testicular tumors, perianal hernias, perianal tumors, uterine and ovarian issues, mammary tumors, injury from fighting, birthing, or aggressive behavior.</p>
<h2><strong>Compare Plan Options</strong></h2>
<p>CanineJournal.com’s pet insurance expert Neil Gargis encourages pet owners to request several quotes from different insurers. The cost of an insurance plan varies depending on age, medical history, breed, and location. The best plan for a Greyhound in Boston might not be as beneficial for a Yorkie in Los Angeles.</p>
<p>Most insurance company websites will feature a “Request Quote” button on their home page. You need to provide your pet’s age, zip code, and email where you will receive detailed information. Depending on the company, you might be offered a single plan, several different plans, or the option to get a custom plan. If the provider offers a custom option, you will need to choose one for each of the categories listed below and see how it adds up to your monthly premium.</p>
<p><strong>Monthly Premium</strong></p>
<p>The level of coverage you choose will mainly depend on how much you want to spend on pet insurance. In essence, you need to find out how much insurance coverage you’ll get for a certain amount of money. Gargis urges pet owners to always consider their financial capacity. If an emergency occurs or a critical illness is detected, how much are you willing to spend for medical care? The answer to this question will help you determine how which coverage level, deductible, and coinsurance option is suitable for you.</p>
<p><strong>Deductible</strong></p>
<p>A deductible is an amount you need to pay before the insurance policy covers the remaining cost of treatment. If you have a $100 deductible, you need to pay $100 before your claims will be reimbursed. There are two kinds of deductibles, annual and lifetime per incident.</p>
<p>A lifetime per incident deductible is more beneficial for pets with chronic conditions. Pet owners only need to pay the deductible once throughout the pet’s life for a specific condition. An annual deductible is more advantageous for pets that need to visit the vet several times a year for different reasons such as breaking a bone, itching from a flea allergy, accidentally eating a toy, or getting stung by a bee. Pet owners only pay a certain amount every year despite the purpose of each visit.</p>
<p>Some providers allow you to customize the deductible while others will only offer set amounts. Note that when you choose a lower deductible, you will get higher monthly premiums. Quote calculators help you find out how your monthly premium would change based on a certain deductible amount.</p>
<p><strong>Reimbursement and Limits</strong></p>
<p>When your pet gets sick or is involved in an accident, you need to submit a claim to the provider. The company will assess whether the incident is covered by the policy and then send you the money for the vet expenses that are covered. Pet insurance providers usually offer different reimbursement levels – 70%, 80%, 90%, or 100%. There are companies that fix the reimbursement rate at 80% or 90%.</p>
<p>When you submit a claim, you need to settle the co-payment which usually amounts to 30% of the total bill as well as the deductible. Once these are satisfied, the insurance provider will settle the balance which ranges from 70 to 100% of the total cost.</p>
<p><strong>What Items are Covered</strong></p>
<p>Researching the providers and the plans they offer is an important step if you want to get the best value for your money. When comparing insurance plans, make sure to go over the exclusions for each category. The following are categories you may want to look at:</p>
<p>• Vet exam fees<br />
• Wellness plan<br />
• Prescription medications<br />
• Diagnostic testing (X-rays, MRIs, cat scans, ultrasound, blood work)<br />
• Non-routine dental<br />
• Emergency/hospital care<br />
• Surgery<br />
• Cancer treatments<br />
• Chronic conditions<br />
• Ligament and knee conditions<br />
• Hereditary conditions and hip dysplasia<br />
• Specialty care<br />
• Rehabilitation, prosthetic devices, physical therapy<br />
• Holistic therapies<br />
• Euthanasia</p>
<h3>Look Into the Competitors</h3>
<p>Insurance reviews will help you create a shortlist of providers. Below are some questions to help you evaluate a provider.</p>
<p>• Is it difficult to submit a claim?<br />
• How fast is the claims reimbursement process?<br />
• How reliable is their customer service? Do they have support available 24/7?<br />
• Do they have a mobile app?<br />
• Is the website user-friendly?<br />
• Are they accredited by the Better Business Bureau?<br />
• Do they allow changes to the insurance plan?<br />
• Is there a money-back guarantee?</p>


What You Should Know About Pet Insurance?

<p>Pet insurance can be a great investment. Just like your car insurance or home insurance, you’re paying for security and protection from costly medical bills. It’s something that you purchase and hope you won’t ever have to use. But if an unfortunate event does happen, you‘ll be glad that you do have one.</p>
<p>Pet insurance is not quite the same as health insurance for humans. A glaring difference is that you don’t have to look for doctors that belong to the provider’s network. A pet insurance policy can be used with any licensed vet in the United States. Most pet insurance providers also reimburse the policyholder, in this case, the pet owner, instead of the clinic or hospital. This means that you don’t need to think about copay amounts.</p>
<p>Providers usually require pet owners to pay for the veterinary service upfront and then file a claim for reimbursement. You can also find providers that will pre-approve a scheduled procedure or treatment and pay the veterinarian directly. This lifts any financial burden especially if you’re on a tight budget.</p>
<p>Read on to find out how to use a pet insurance plan and how to get the most of your policy.</p>
<p><img loading="lazy" class="aligncenter wp-image-27460 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Man-with-his-dog-playing-outdoor-in-the-park..jpg" alt="Man-with-his-dog-playing-outdoor-in-the-park." width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Man-with-his-dog-playing-outdoor-in-the-park..jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Man-with-his-dog-playing-outdoor-in-the-park.-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h3>How Does Pet Health Insurance Work?</h3>
<p>1. Enroll your pet in a policy</p>
<p>2. Let the waiting period pass to activate the policy</p>
<p>3. Visit your preferred veterinarian</p>
<p>4. Be confident that your pet will receive the medical care it needs without taking a toll on your savings.</p>
<p>5. Pay for the treatment or service.</p>
<p>6. File a claim to your provider.</p>
<p>7. Wait for the provider to send the reimbursement for items covered by your policy.</p>
<h3>What is a Deductible?</h3>
<p>A deductible is a fixed amount that you need to pay towards medical services before the policy can be activated. Most pet insurance providers offer annual deductibles but there are also options for a per-incident deductible. A per-incident deductible means that you pay a one-time deductible for the same injury or incident.</p>

<h3>What is a Reimbursement Rate?</h3>
<p>The reimbursement rate is the amount that the pet insurance provider pays the policyholder for the cost of vet care. Reimbursement rates usually fall between 60 and 100 percent, depending on how comprehensive the policy is. A robust pet insurance policy can reimburse 80 to 90 percent of the total bill.</p>
<h3>What are Limits?</h3>
<p>Limits are usually applied per-incident and should be researched no matter which provider you choose. This way you can estimate the type and cost of veterinary care that your pet would need at a certain age. Per-incident limit is the maximum amount the provider will reimburse for a single accident or illness. Let’s say you bring your cat to the vet for an accident and the total cost of lab work, surgery, medications rounds up to $5,000. Your policy per-incident limit is $2,500. This means that you will be responsible for the remaining $2,500.</p>
<h3>What is an Annual Limit?</h3>
<p>Annual limits refer to the maximum payout or reimbursement that you will receive every year. When you reach the reimbursement limit, you’ll need to pay for the cost of any subsequent vet visit or treatment. Depending on the age, breed, and general health of your pet, you may not reach this limit every year. The great thing is that many providers do offer unlimited annual limits.</p>
<h3>Is a Wellness Plan the same as an insurance plan?</h3>
<p>Wellness care plans are usually offered separately from an accident and illness plan. Wellness plans do not cover injury or illnesses. It’s applicable to routine and selected preventive care treatments that are beneficial for new kittens or puppies.</p>
<h2>How to Get the Most of Out of Pet Insurance</h2>
<h3>1. Use your credit card to pay for vet bills.</h3>
<p>Pet insurance providers do not negotiate with veterinary clinics because of the reimbursement scheme they apply. This prevents confusion from having to deal with copays. If you choose a trusted provider, you’ll know the exact amount you need to pay upfront and how much reimbursement you’ll receive. Since providers require you to pay for any treatment upfront, consider using your credit card to cover the amount if it’s within the limit.<br />
Using a credit card means you don’t have to touch your savings and you can easily pay it off with the reimbursement from your provider. Claims reimbursement usually takes a few days so you don’t have to worry about accruing any interest. You also get to enjoy the reward points associated with credit card purchases.</p>
<h3>2. Notify your bet about your coverage</h3>
<p>Many people believe that if they let their vet find out about their insurance policy, they’ll get a higher bill. This is a bit unfair to the professionals who dedicate years to help save the lives of our favorite companions.</p>
<p>Veterinarians will give you several treatment options for consideration. If they are aware of your financial resources and capacity, they can provide you with choices that are most suited to your situation. When your vet knows that your pet has insurance coverage, they can direct you to take further precautionary steps such as treatment plans.<br />
It’s not easy for any doctor to talk about the cost of treatment. Most of them also deal with student debt whether they treat humans or animals. Vets also don’t earn as much in comparison to their peers who treat people.</p>
<h3>3. Get a policy suited for the age, breed, locations, and pre-existing condition of your pet.</h3>
<p>There is no shortage in terms of pet insurance providers. Each one offers a different plan with certain differences. It can be difficult and overwhelming to find the plan that suits your pet the best. It’s even more of a challenge once you consider how breed affects the cost of insurance.</p>
<p>Each pet breed will be susceptible to a different disease. You want to look into the fine print of your policy to know whether health conditions that you expect to occur in the future will be covered by the plan. There are resources available online that help you compare plans from different providers.</p>


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How To Maximize A Pet Insurance Plan?

<p>Having a pet at home is a huge responsibility. You need to provide them food and medical care just like you would any human being. When you have a young and healthy pet, you might not think about health insurance yet. However, many experts will tell you that signing up your pet for a policy at an early age can help you save on medical bills. A pet insurance plan will ensure that your four-legged friend will get the medical care they need. Consider pet insurance as an investment to give your little tiger a healthy and long life without spending a fortune on medical care.</p>
<p><img loading="lazy" class="aligncenter wp-image-27458 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Owner-hug-his-cat.jpg" alt="Owner-hug-his-cat" width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Owner-hug-his-cat.jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Owner-hug-his-cat-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h2>Annual Cost of Vet Care for Felines</h2>
<p>On average, the cost of veterinary care can go up to $1,070 annually. You need to buy food, litter box, litter, toys, scratch posts, and pay for training. This number does not include the cost of veterinary care. Cats are susceptible to illnesses that require expensive treatments and can take a toll on your financial sources if you don’t have a safety net. Below are some of the most common conditions among cats and the costs of medical care.</p>
<h3>Regular Medical Exam</h3>
<p>Pet owners should take their feline friends to the vet a least once every 12 months to get a wellness exam. The vet can check for issues that may not be obvious to the untrained eye. For rescued and adopted kittens, they will need medical checkups more often.</p>
<h3><strong>Diabetes</strong></h3>
<p>• $300 a month<br />
• $1,000+ for hospitalization</p>
<p>For both humans and cats, the cost of managing diabetes can quickly rack up. The cost of insulin averages $300 per month while hospitalization can set you back by at least $1,000.</p>
<h3>Feline Urinary Tract Infection</h3>
<p>UTI is the most common condition among cats, especially senior females. The cost of lab work, surgery, and antibiotics can go as high as $6,000. The condition can also recur if not given the proper treatment.</p>
<h3>Kidney disease</h3>
<p>Kidney disease is one of the most expensive and most complicated conditions to treat. Kidney stone removal can cost $3,000, dialysis for $2,500 to $3,000, and $500 for any subsequent treatment.</p>
<p>How often you take your pet to the vet for a routine checkup will vary depending on the age and general health of the kitten. Vets will usually recommend an interval of 12 months for every routine exam. Annual wellness visits are standard for cats of all ages. If the kitten has not completed the necessary vaccines, these will also need to be scheduled. Aside from vaccination and routine exam, you also need to arrange for spay or neuter surgery.</p>
<p>The advancement of medical technology and improvement in dietary options allow pets to live longer than before. Cats often outlive dogs from a larger breed. The AVMA estimates that a 7-year-old cat is 54 years old in human years.<br />
The older your cat gets, the more often you may need to bring them to the vet. The AVMA recommends a semi-annual vet checkup arrangement for senior cats. This allows vets to detect signs of illnesses early on and provide the proper treatment.</p>
<h2><img loading="lazy" class="aligncenter wp-image-27466 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Happy-cat-with-close-eyes-and-hansom-beard-man..jpg" alt="Happy-cat-with-close-eyes-and-hansom-beard-man." width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Happy-cat-with-close-eyes-and-hansom-beard-man..jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Happy-cat-with-close-eyes-and-hansom-beard-man.-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></h2>
<h2>How Cat Insurance Can Help?</h2>
<p>Cat insurance plans usually cover vet services such as diagnostic testing, exam fees, prescription medicines, surgery, and more. Insurance providers usually offer three different coverage types – accident-only, accident and illness, and wellness coverage.</p>

<h3>Accident-only</h3>
<p>This type of plan will cover medical expenses that result entirely from accidents. Broken bones are typically covered by accident-only plans as well as the necessary tests such as X-rays and CT scans.</p>
<h3>Accident and Illness</h3>
<p>This is the most comprehensive and most popular type of insurance plan for cat owners. It offers a wider range of protection. If your cat gets sick or breaks a bone you can claim reimbursement for both situations. The ASPCA lists the common medical conditions among cats which include:</p>
<p>• Diabetes<br />
• Cancer<br />
• Heartworm<br />
• Ringworm<br />
• Feline Immunodeficiency Virus (FIV)<br />
• Feline Leukemia Virus (FeLV)<br />
• Rabies<br />
• Intestinal parasites like tapeworms<br />
• Upper respiratory infections</p>
<p>When you have an accident and illness plan and your cat develops any of the conditions above, you can claim reimbursement for the costs of medical care relating to the disease. This is a huge help especially for cats that develop diseases that incur expensive treatments. For example, cancer entails expensive chemotherapy and radiation treatments, feline leukemia virus involves regular visits to the vet for an exam, therapy, and observation, and chronic kidney disease requires regular medications and supplements. Kidney failure is a common condition among senior cats, but an insurance policy can help cover the costs of medical care.</p>
<h3>Wellness Care</h3>
<p>Wellness plans are typically offered as an optional plan that you can add to your accident and illness policy. Wellness care covers the cost of preventive care such as teeth cleaning and annual exams. No insurance provider will cover a pre-existing condition, whether for dogs or cats. If your cat gets sick before the policy starts, you need to shoulder the costs of exam and treatment.</p>
<h2>Which breeds are susceptible to health problems?</h2>
<p>The following ten breeds are most likely to develop a health complication:</p>
<p>• Maine Coon<br />
• Siamese<br />
• Persian<br />
• Russian Blue<br />
• Ragdoll<br />
• Pure-bred American Shorthair<br />
• Mixed/Unknown breed<br />
• Domestic Longhair<br />
• Domestic Mediumhair<br />
• Domestic Shorthair</p>
<h2>How to Compare Options?</h2>
<p>There are two main categories you can use to compare different insurance plans. One is by the cost of the plan and two is by the level of coverage it offers. When choosing a pet insurance plan based on cost, you’ll need to consider the following factors:</p>
<p><strong>Annual Limit –</strong> The maximum amount the provider will pay or reimburse every year.</p>
<p><strong>Annual Deductible –</strong> The amount you need to pay out of pocket before the policy starts.</p>
<p><strong>Reimbursement Rate –</strong> The percentage of medical costs the provider should reimburse once the deductible is satisfied.</p>
<p><strong>Monthly premium –</strong> The amount paid every month to continue the plan.</p>
<p>It’s necessary to also check the level of coverage that each plan provides. However, if you are seeking comprehensive coverage and choosing a plan based on such, consider the following factors:</p>
<p><strong>Maximum Payout Per Incident –</strong> How much the provider will reimburse for claims related to an incident.</p>
<p><strong>Benefit schedule –</strong> Specifies the reimbursement rate for certain health concerns determined by the provider.</p>
<p><strong>Waiting Period –</strong> How long it takes for the insurance plan to kick in and coverage to take effect after signing up.</p>
<p><strong>Claim Expiration –</strong> How much time a policyholder is allowed to file a claim after an incident takes place.</p>
<h2>How To File A Claim?</h2>
<p>Pets health insurance differs from human health insurance. It is more comparable to compare it to a car insurance claims process. When your cat feels sick or requires a vet visit, you still need to pay the cost of the service. However, you can submit a claim to your provider with proof of the expenses. The company will reimburse you for the cost of the services and treatment covered by your plan.</p>
<p>Pet insurance claims usually take a few days but some can take a week. Note that only the cost of services and treatment covered will be reimbursed. If you have an accident-only plan, you can’t file a claim for medical expenses relating to an illness. If your accident and illness policy doesn’t cover prescription food, you also need to pay for these items with your own money.</p>


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Should You Invest In Cat Health Insurance?

<p>Deciding to have your pet spayed or neutered is one of the most crucial decisions you need to make for their health and your finances.</p>
<h3>Better Health and Longer Lifespan</h3>
<p>The lifespan of spayed and neutered pets is noticeably longer than those that are not. According to a study from the University of Georgia, a spayed female dog had a longer life expectancy by 26.3% and a neutered male dog was at 13.8% longer. The average lifespan of unfixed dogs was 7.9 years while altered dogs had 9.4 years. The study was based on more than 70,000 medical records of animal patients.</p>
<p><img loading="lazy" class="aligncenter wp-image-27457 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Vetrinar-check-pet.jpg" alt="Vetrinar-check-pet" width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Vetrinar-check-pet.jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Vetrinar-check-pet-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>A different study by the Banfield Pet Hospitals, which used a database that covered records of 460,000 cats and 2.2 million dogs, revealed similar conclusions. The research found that a spayed female dog extended its life expectancy by 23% and a neutered male dog by 18%. Spayed female cats and neutered male cats lived 39% and 62% longer according to the study.</p>
<p>The shorter lifespan of intact pets is due partly to their urge to roam outdoors. This leaves them exposed to other animals, vehicular accidents, and injuries. Another factor that makes a difference in life expectancy is the risk of developing cancer. Female cats and dogs that are not spayed have higher chances of developing what could be a fatal urine infection called pyometra as well as cancer in the mammary gland, uterine, and other reproductive parts. A neutered male pet also has a lower risk of developing benign prostatic hyperplasia which affects its ability to process waste.</p>
<p>There have been some studies that called to challenge the benefits of spaying and neutering to the general health of pets. These studies brought up concerns about how these surgeries make dogs more vulnerable to specific types of cancers and orthopedic conditions. The fear caused pet owners to do away with spaying and neutering their pets. However, when you analyze the results, the studies actually pertain to giant breeds which typically weigh at least 90 pounds. The findings of these kinds of studies should not be used to generalize the effect of spaying and neutering on other breeds or other species such as cats.</p>
<p>Most studies covering this topic are retrospective which means that they evaluate existing data. Although they can find relations between a specific cause and outcome, they cannot be used to determine causality. Although studies can find statistically significant factors, they do not always translate to a clinically significant difference. There is space for more new research on these topics that cover different locations and sample sizes.</p>
<p>Due to the maturation and decrease in metabolism, weight gain is a common occurrence among altered dogs and cats. It’s essential for pet owners to monitor their weight and modify their diet to prevent unhealthy weight gain.<br />
Below are some of the top recommendations upon examination of available research:</p>
<p>• Spay female dogs before they reach 5 months of age.</p>
<p>• Spay female cats before they reach 5 months because they can get pregnant at 4 months old.</p>
<p>• Neuter male dogs from small, medium, and large breeds before 5 months of age.</p>
<p>• Due to orthopedic issues, neuter male pet dogs from giant breeds after they stop growing (typically 12 to 15 months old).</p>
<p>• Due to concerns with unintended breeding, giant breed male dogs that roam freely should be neutered before 5 months of age.</p>
<p>• Spay or neuter shelter animals before adoption. This can be done as early as 6 to 8 weeks depending on the state.</p>
<p>• Alter community cats older than 6 to 8 weeks (depending on the state) through the trap-neuter-return method.</p>

<h3>Stop Unwanted Behavior</h3>
<p>Dogs that are not altered are more likely to exhibit urine-marking behavior than a neutered dog. Although this behavior is typically linked to male dogs, female dogs can show such behavior as well. Spaying or neutering can help reduce the likelihood of urine-marking, and in some cases completely stop it.</p>
<p>Among cats, urine-marking is predominant among unaltered cats. The best solution is to spay or neuter them at 5 months old before the problem can persist. Spay/neuter surgery can resolve 90% of issues related to urine-marking including cats that have displayed the behavior for a longer time. Spaying or neutering can also reduce the urge to roam outside and fight other male cats.</p>
<p>The longer you put off the surgery, the higher the chances of it being an ineffective solution. When the animal has displayed the behavior for a long time, it simply becomes a reinforced habit. Aside from spraying or urine-marking, spaying or neutering can also help the following behavioral issues:</p>
<p>• Roaming, especially for females in heat</p>
<p>• Aggressive behavior</p>
<p>• In-heat behavior (vocalizing, yowling, rolling, and demanding behaviors)</p>
<p>• Excessive barking &amp; mounting activity</p>
<h3>Reduce financial burden</h3>
<p>Once you factor in medical costs in the long run for an intact pet, the financial benefits of spaying/neutering are highlighted. There is an abundance of low-cost clinics that now offer spay and neuter surgeries.</p>
<p>Having a pet develop cancer or pyometra can set you back thousands of dollars which is up to 10 times the cost of spay or neuter surgery. Intact cats and dogs have a strong urge to fight with other animals which means you will have to deal with the costs of treating injuries that could recur.</p>
<h3>Don’t forget Pet Rabbits</h3>
<p>Rabbits reproduce faster than cats and dogs so it’s just as important to have them spayed or neutered if you keep them as pets. In some areas, rabbits are the second most surrendered species in shelters. A neutered male rabbit is less likely to exhibit hormone-driven behavior which means less mounting, spraying, lunging, and boxing.</p>
<p>Spayed female rabbits have a lower chance of developing, mammary, ovarian, and uterine cancer just like cats and dogs. 50 to 60 percent of intact female rabbits which are older than 4 years develop uterine cancer.</p>
<h3>Encourage Other Pet Owners</h3>
<p>Spay/neuter surgery can help protect pets from certain diseases, control unwanted behavior, and reduce costly medical bills. Reach out to your veterinarian or local animal shelter if you’re looking for spay/neuter options that fit your budget. Some communities offer affordable wellness services, but if you don’t have one in your area it’s not too late to advocate and encourage funding for access to medical</p>


Why Spaying/Neutering Is The Best Option For Your Pet?

<p>We all want our pets to live long and happy lives and stay with us to give joy and companionship. But this is only possible if you work for it. It’s not enough to give love and affection to your pet; you also need to prioritize keeping them in good health. By focusing on your pet’s health, you will enjoy more time with them as you grow old together. Whether you have a pet at home or are still deciding whether to adopt one, consider these tips on how to keep your pet in excellent health.</p>
<p><img loading="lazy" class="aligncenter wp-image-27462 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Young-crossbreed-dog-german-shepherd-during-sunset-in-grass.jpg" alt="Young-crossbreed-dog-german-shepherd-during-sunset-in-grass" width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Young-crossbreed-dog-german-shepherd-during-sunset-in-grass.jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Young-crossbreed-dog-german-shepherd-during-sunset-in-grass-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h3></h3>
<h3>1. Schedule a vet appointment annually</h3>
<p>Whether your pet is exhibiting issues or not, it’s always a good choice to have a professional see them. A wellness check gives your vet the chance to examine the general health of your pet and detect if there are any problems that may arise. Detecting symptoms before they exacerbate prevents you from dealing with more complicated issues in the future. Routine deworming, vaccination, and heartworm prevention are some of the key services that your vet will recommend during a wellness exam. These annual visits also allow you to discuss with the vet any diet or behavioral concerns you might have noticed.</p>
<h3>2. Keep vaccines up to date</h3>
<p>Giving your cat or dog the vaccines they require to protect from diseases is an important step in maintaining good health. Dogs should receive vaccines against parvo, distemper, and rabies which are all fatal diseases. Cats should receive vaccines against feline leukemia virus, rabies, and other diseases. Some vaccines such as rabies are mandatory. You’ll need to make sure that your pet’s vaccines are always up to date.</p>
<h3>3. Monitor your pet’s weight</h3>
<p>Maintaining a healthy weight is integral in reducing the risk of injuries and the development of diseases. Large dog breeds such as Labrador retrievers and German shepherds are more prone to hip dysplasia. This is a condition that leads to their hip joints deteriorating and losing their function. Obesity is one of the main factors which worsen the condition since an unhealthy weight places too much stress on the joints. Similar to humans, it’s also important to maintain a healthy weight to prevent high blood pressure, diabetes, kidney disease, respiratory disease, and certain types of cancer.</p>

<h3>4. Regular dental checkups</h3>
<p>Healthy teeth and gums should also be on your priority list and why you need to schedule regular appointments with your vet every year. Periodontal disease causes discomfort and pain and can lead to more complicated problems in the heart muscle, kidney, and liver. It’s also essential to clean your pet’s teeth at home regularly in addition to wellness checks.</p>
<h3>5. Don’t allow parasites to breed</h3>
<p>Fleas, mites, and ticks are some of the most common parasites that give pet owners a headache. It takes a good prevention plan to prevent these critters from causing issues. Talk to your vet about a suitable prevention plan against fleas and ticks.</p>
<p>When you groom your dog or cat, don’t forget to check their coat for fleas or ticks. If you notice that your pet is scratching, licking, or chewing at its coat excessively, this might indicate that there’s a problem. Consult with your veterinarian if you notice anything out of the ordinary.</p>
<p>Eradicating parasites provides immediate comfort to your pet and reduces the risk of transmitting diseases to other pets you have at home. Female fleas start laying eggs within 24 hours of landing on a host and can produce up to 50 eggs per day. That’s it’s important to stop the problem as soon as possible.</p>
<h3>6. Spay or neuter</h3>
<p>Millions of cats and dogs are subjected to euthanasia each year as reported by the American Veterinary Medical Association. Due to the lower adoption rate and overpopulation, pet homelessness continues to be a crisis.<br />
Aside from reducing the number of homeless animals, spaying or neutering provides health benefits. A spayed female cat or dog has a lower risk of developing cancer and uterine infections. Neutered male cats and dogs also have reduced chances of developing testicular cancer and benign prostatic hyperplasia, a condition where the prostate gland is enlarged.</p>
<h3>7. Keep them active.</h3>
<p>People are encouraged to exercise regularly to maintain good health and the same goes for our pets. Regular exercise contributes positively to their mental and physical wellbeing. Walking daily and engaging in moderate outdoor activities can aid in maintaining joint health and muscle tone. Outdoor activities also provide mental stimuli for pets with different smells and sounds around them. The amount of exercise your pet needs will vary based on its age, breed, and health. High energy breeds such as border collies and Belgian Malinois will need more time for activities. Low energy breeds such as bulldogs and older dogs will need less time for exercise.</p>
<h3>8. Get them microchipped</h3>
<p>Microchipping is a simple procedure where a minute microchip is implanted in between the pet’s shoulder blades. It doesn’t require any anesthesia or surgery because a hypodermic needle is used to inject the chip under the skin. The chip is the same size as a grain of rice and contains an ID number that will link to a database that has your contact details. When your pet wanders off and is found by a shelter or vet clinic, they can identify and alert the owner.</p>
<h3>9. Balanced and healthy diet is a must</h3>
<p>The nutritional requirements of cats and dogs will change as they grow older. Young kittens and puppies have different diet requirements compared to adult cats and dogs. Consider your pet’s breed and size when choosing a diet plan. You should also take note of any allergies and dietary restrictions pointed out during an exam. If you’re not sure which types of food you can give, ask your vet for recommendations.</p>
<h3>10. Don’t forget to groom them regularly</h3>
<p>Grooming your pet is not just for looks and aesthetics. Regular grooming also removes loose fur, flaky skin, and dirt and contributes to better blood circulation. Grooming cats regularly helps reduce hairballs. This also allows you to check fleas, ticks, and other issues that are not obvious from afar.</p>
<h3>11. Give time for socialization</h3>
<p>The earliest weeks are some of the most important times for a puppy’s socialization. At 7 to 16 weeks, it’s important to expose young pets to different smells, sounds, places, people, and situations. Undergoing proper socialization can prevent dogs from being fearful of children or car rides for instance. It can also reduce the chances of aggressive and anti-social behavior once they turn into an adult.</p>


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11 Tips To Keep A Healthy Pet

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