Balancing pet insurance options is vital when choosing the right one for your dog or cat. In this article, I, Ivana Crnec, DVM, will compare two popular options: the Petcube Emergency Fund and AAA Pet Insurance.
Content:
- What is Covered By The Insurance
- What is Not Covered By The Insurance
- How Many Pets Can Be Insured
- What is The Waiting Period for Insurance
- How Much Does Insurance Cost
- Conclusion
What is Covered By The Insurance
“Coverage of preventive care was the most valuable feature in pet insurance among those presented to dog owners,” according to a Vet Record study.
Petcube Emergency Fund
The fund covers emergencies, like stomach upsets, broken bones, car accidents, foreign body ingestions, intoxications, and bloat.
AAA Pet Insurance
The insurance covers accidents and illnesses, exam fees, diagnostic testing, chronic conditions, surgery and hospitalization, alternative care, behavioral treatment, and prescription meds.
Read more: Petcube Emergency Fund vs. Lemonade Pet Insurance
What is Not Covered By The Insurance
“Having the right pet insurance may actually help you manage costs more effectively,” says Noel Fitzpatrick, DVM, in an article for Pet Plan.
Petcube Emergency Fund
The fund does not cover pre-existing issues and routine care. Petcube’s concept is to provide financial assistance in the event of accidents and emergencies.
AAA Pet Insurance
The insurance does not cover pre-existing conditions, deliberately caused injuries, cosmetic and elective procedures, cloning or DNA testing, stem cell therapy that is not medically necessary, and issues associated with breeding, pregnancy, or whelping.
Read more: Petcube Emergency Fund vs Petsmart Pet Insurance
How Many Pets Can Be Insured
Different pet insurance providers work under specific rules. Some insurances allow adding more than one pet per policy.
Petcube Emergency Fund
The fund accepts six pets per policy. However, its total monetary amount remains the same ($3000), regardless of the number of pets included.
AAA Pet Insurance
The insurance mandates a separate policy for each pet. However, they offer multi-pet discounts. The more pets you insure with AAA, the higher the discount you will get.
Read more: Petcube Emergency Fund vs MetLife Pet Insurance
What is The Waiting Period for Insurance
The waiting period is the period between signing up and the policy becoming active.
“You will not find insurance that will cover your pet immediately,” warns a Reddit user.
Petcube Emergency Fund
The fund’s waiting time is two weeks, which is reasonable, as the fund is primarily focused on accident and emergency coverage.
AAA Pet Insurance
The insurance’s waiting period is 15 days for illness. The accident coverage begins as soon as you enroll your pet, and there is no waiting period for routine care plans.
Read more: Petcube Emergency Fund vs. USAA Pet Insurance
How Much Does Insurance Cost
Studies show that insurance is a good investment, as it allows parents to “purchase with ease of mind.” They are “spending more at the veterinarian and getting more of the services they need in one visit.”
Petcube Emergency Fund
The fund costs $29.99 per month. The company offers a 27% discount for its blog readers and adds special discount links on the website’s blogs.
AAA Pet Insurance
The cost of the insurance varies based on several factors. However, the cost generally ranges from $30 to $40 per month for dogs and from $15 to $20 per month for cats.
Read more: Petcube Emergency Fund vs. Allstate Pet Insurance
Conclusion
Petcube and AAA offer excellent coverage. Which is better depends on your specific needs. The Petcube’s fund is tailored to emergency coverage, while AAA offers more comprehensive plans.
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