Finding the perfect insurance plan for your pet is not easy. In this article, I, Ivana Crnec, DVM, will compare two popular options, the Petcube Emergency Fund and AKC Pet Insurance.
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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 Insuranced
- How Much Does Insurance Cost
- Conclusion
What is Covered By The Insurance
Pet insurance providers offer different plans. Studies suggest that “coverage of preventive care” is the number one requirement among pet owners looking into pet insurance policies.
Petcube Emergency Fund
The fund focuses on covering accidents or emergencies, like bloats, intoxications, foreign body ingestions, trouble breathing, major traumas, broken bones, and stomach upsets.
AKC Pet Insurance
AKC has customizable plans allowing pet parents to choose the coverage their pets need - from wellness care and breeder insurance to pre-existing conditions and accidents.
What is Not Covered By The Insurance
Pre-existing conditions, genetic diseases, and elective surgeries are among the top issues that are not usually covered by pet insurance.
Petcube Emergency Fund
The Petcube Fund does not cover routine wellness care and pre-existing problems, since it is a strictly accident/emergency financial plan.
AKC Pet Insurance
The AKC covers pretty much everything and is one of the few providers offering coverage for pre-existing issues. However, the specific coverage varies on the policy and activated add-ons.
How Many Pets Can Be Insured
The number of pets that can be insured under one policy or plan depends on the provider. Many “offer multiple pets discounts,” explains a Reddit user.
Petcube Emergency Fund
Petcube permits pet owners to add up to six pets on one policy. However, the total amount of money per policy remains the same ($3000) regardless of the number of included animals.
AKC Pet Insurance
AKC allows adding multiple pets to a single policy and offers a 5% multi-pet discount for both current and new policyholders.
What is The Waiting Period for Insurance
The waiting period for pet insurance is “the date from when you sign up until coverage kicks in,” says Sandra Mitchell, DVM in an article for PetMD.
Petcube Emergency Fund
Petcube offers a relatively short waiting period of two weeks. Considering the emergency or accident-oriented concept of the fund, 14 days is a reasonable timeframe.
AKC Pet Insurance
AKC’s waiting period ranges from zero days for the Wellness Plan to as much as 365 days for pre-existing conditions covered by the Accidents & Illness Plan.
How Much Does Insurance Cost
Studies suggest that veterinary care is expensive and causes financial stress for owners in 75% of the cases. Having a pet insurance or emergency plan helps ease the burden.
Petcube Emergency Fund
The Fund costs $29.99 per month, but the brand offers a 27% discount for blog readers.
AKC Pet Insurance
AKC’s policies start as low as $10 per month. The exact price, however, depends on the policy type, the dog’s age, your ZIP code, and activated add-ons.
Conclusion
Petcube and AKC are both stellar pet insurance services. Which is better depends on what you need - the Petcube Emergency Fund is excellent for accident coverage, while the AKC Pet Insurance offers various, comprehensive plans.