Best Pet Insurance in Pennsylvania – Forbes Advisor


The best way to find a fair price on pet insurance is to compare pet insurance quotes from multiple insurers. In addition to looking at coverage options and costs, you’ll also want to check out the different benefits offered by insurers. Here are a few to consider.

Find a pet insurer that offers 24/7 veterinary lines

When you hear your pup throwing up on the carpet at 2 a.m., you might not know whether to rush him to the vet or wait for him. Some pet insurance companies offer a 24/7 veterinary telehealth line to help you make an informed decision.

Look for plans that will pay the vet directly

Before submitting a pet insurance claim, you usually have to pay the entire bill up front. To ease some of this financial burden, some pet insurance companies, like Trupanion, offer direct compensation to veterinarians.

Identify plans with a multi-pet discount

If you need to insure more than one animal, look for companies that offer discounts for multiple animals. Additionally, pet insurance companies may offer other discounts, such as military discounts, annual payroll discounts, or employee discounts.

Choose a pet plan with optional routine wellness

Maintaining your pet’s health can be expensive. Adding wellness and routine care coverage can help reduce the amount you have to pay for preventative care. For example, Pets Best offers two different routine care supplements that range between $16 and $26 per month.

Exam fees

Each time you visit the vet, you must pay an examination fee for the vet to assess your pet’s health. While some insurance companies cover this cost, others do not. Check the policy to see if exam fees are part of your plan. Otherwise, you will end up footing the bill.

Waiting times

When you buy pet insurance, you have to wait a while for the expenses to be covered by your plan. Waiting times vary by insurer. For example, Embrace has a two-day crash waiting period, while Nationwide has a 14-day crash waiting period.

Some pet insurance companies also have extended waiting periods for specific conditions, such as hip dysplasia or cruciate ligament issues. If your pet is susceptible to these issues, you can choose a pet insurer that doesn’t have extended waiting periods.


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