Post by doglover on Nov 22, 2024 18:34:40 GMT
Best Pet Insurance Pennsylvania
| Provider | Monthly Cost | Annual Coverage Limits | Reimbursement Rates | Deductibles | Waiting Periods |
|---|---|---|---|---|---|
| Embrace | $52.00 | $5,000 | 90% | $500 | 2 days for accidents; 14 days for illnesses |
| Fetch | $49.12 | $5,000 | 90% | $500 | 15 days for accidents and illnesses |
| ASPCA | $44.84 | $5,000 | 90% | $500 | 14 days for accidents and illnesses |
| Figo | $36.24 | $5,000 | 90% | $500 | 1 day for accidents; 14 days for illnesses |
| Lemonade | $26.31 | $20,000 | 90% | $500 | 2 days for accidents; 14 days for illnesses |
1. Embrace
Embrace, headquartered in nearby Cleveland, Ohio, is popular among Pennsylvanians for its diminishing deductible feature. It’s particularly favored by pet owners in Pittsburgh and Philadelphia for its wellness coverage, which includes vaccines and routine care.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 2 days for accidents; 14 days for illnesses
Pros:
- Wellness add-ons for preventive care
- Military and multi-pet discounts
- Covers alternative therapies
Cons:
- Limited options for pets over 14 years old
Learn more about Embrace
2. Fetch
Fetch is a solid option for Pennsylvanians who often travel, as it allows you to use any licensed vet in the U.S. or Canada. It’s particularly appreciated by residents of rural areas like Lancaster and Scranton, where veterinary options may be limited.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 15 days for accidents and illnesses
Pros:
- Covers alternative therapies
- No upper age limit for enrollment
- Fast reimbursements
Cons:
- Does not cover wellness or preventive care
Learn more about Fetch
3. ASPCA
ASPCA’s insurance plan is perfect for Pennsylvanians who prioritize behavioral coverage and multi-pet discounts. This plan is popular in family-friendly suburbs like Allentown and Harrisburg.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 14 days for accidents and illnesses
Pros:
- No upper age limit
- Covers behavioral issues and alternative therapies
- Multi-pet discounts
Cons:
- Lower annual coverage limits
Learn more about ASPCA
4. Figo
Figo stands out with its 100% reimbursement option and a mobile app designed for tech-savvy pet owners in Pennsylvania cities like Philadelphia. Their short waiting period for accidents is a plus for active pets.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 1 day for accidents; 14 days for illnesses
Pros:
- User-friendly app
- No upper age limit for enrollment
- Short accident waiting period
Cons:
- Pre-existing conditions not covered
Learn more about Figo
5. Lemonade
Lemonade is ideal for tech-forward Pennsylvanians, with quick AI-powered claims processing. It’s especially popular among residents of bustling cities like Philadelphia and Pittsburgh.
Features:
- Annual Coverage Limits: $20,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 2 days for accidents; 14 days for illnesses
Pros:
- Affordable monthly premiums
- Discounts when bundled with home insurance
- Fast claim processing
Cons:
- Limited availability for alternative therapies
Learn more about Lemonade
