If you own pets, you definitely love them. Health care for pets, however, is the most expensive and worrying part of keeping pets. Pet insurance appears as a savior in such situations, reimbursing in part or whole the health care needs for your furry friends. Policies can be of many types: only accidents, certain illnesses, or a comprehensive plan. The problems with insurance are that there is inevitably some fine print, making the hunt for the perfect plan rather tricky. To cover your pet to the best of your ability, consider some of the following companies.

1. Pets Best
Paying claims instantly, efficient and fast personal services, and giving coverage unique to pets are the three reasons Pets Best is undoubtedly one of the first insurance companies you should consider. The company does not have a maximum age limit, which is not something all insurance companies offer. However, they do not cover pre-existing health conditions. There are three policies you can choose from – Essential, Plus, or Elite. They all cover accidents, illness, cancer treatments, hereditary and congenital conditions, emergency care, and even behavioral conditions. You can also speak to your agent about covering routine care needs. There is a lot of flexibility with annual limits, reimbursement levels, and deductibles. Pets Best is also pocket-friendly, offering a basic accident-only policy at just $9 a month, and even the highest policies rarely go over $50.

2. Pet Assure
Low cost, less waiting time, and unlimited use, are three features that make an insurance policy favorable; Pet Assure has all these three. Any pet is eligible for coverage; not just dogs and cats, even rabbits, turtles, horses, farm animals, and llamas are covered. And if you have multiple pets, you can avail of discounts from this company. Another advantage is coverage of pre-existing conditions, something a lot of insurance companies do not provide. Regardless of breed, health status, and age, almost all vet services are given a 25% discount. There are, however, some drawbacks – in-house specialists must perform all services, and while 5,000 practices are included, your choices are limited. There is also no discount on medications, non-medical services, prescription foods, routine grooming, and boarding charges. You can choose from monthly or annual plans, and the pricing is based on the size of the animal, how many you are insuring, and location.

3. Trupanion Pet Insurance
Offering extensive, comprehensive coverage, including almost all illnesses and injuries, Trupanion is a company you should definitely look into. Lifetime per-condition deductibles are offered, meaning pet owners must pay the deductibles for conditions that do not reset over the pet’s lifetime. They are also unique because they pay claims directly to the health care provider, so you will not have to worry about filling forms and paying upfront for treatments. There are additional packages, recovery, and complementary care for physical therapy, acupuncture, and other non-clinical procedures. Another extra feature is the pet owner assistance, whereby the company pays for boarding fees, rewards for lost and found pets, and advertising. The plans are quite affordable, starting at $32 per month for cats and $59 for dogs.

4. Healthy Paws Pet Insurance
Are you looking for pocket-friendly pet insurance? Healthy Paws is the company for you. They aim to make your pet insurance experience budget-friendly and straightforward. They cover all treatments for injuries and illnesses that are not pre-existing but include hereditary and congenital conditions. There are many deductible options enabling flexibility while budgeting premiums. You can submit claims on the company app or website, and 99% of them are processed within two days. On average, monthly premiums cost $17 for cats and $33 for dogs.

Finding the perfect pet insurance is close to impossible, with all the fine print and hidden charges, so ensure that you dig a little deeper and speak to people who already have insurance to get the full scoop. Insuring your pet ensures that all their medical needs are taken care of, so while saving is necessary, do not try to skimp.