A good pet insurance should cover all emergencies and health problems your pet may encounter in the future. Choosing the right insurance for your pet requires you to understand the different types of insurance and their perks. In this article, we will compare the Petcube Emergency Fund and Allstate Pet Insurance highlighting their benefits and features.
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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 Insurance
- How Much Does Insurance Cost
- Conclusion
What is Covered By The Insurance
Petcube Emergency Fund
The Petcube Emergency fund as its name implies covers only emergencies offering a $3000 coverage in emergency vet fees. Pet parents who opt in for this can only utilise the offer in cases of emergencies or health problems that weren’t planned for. Any pre-existing condition will not be insured by this package except if it involves an emergency.
On several occasions, I have witnessed how insurance packages like this have saved a lot of pets. Pet parents sometimes may not have all the funds to clear a vet fee, especially in cases of emergencies. A study also confirmed that many pets have been saved from euthanasia when they use this kind of insurance.
“Factors like age, breed and health history of your pet can affect what type of insurance is best fit”, - Dr. Sandra C. Mitchell
Petcube Emergency Fund does not have clauses for the age, breed or sex of the pet. All pet breeds and ages can be insured. Some of the emergency conditions covered by the Petcube Emergency Fund include:
- Broken leg
- Shortness of breath
- Toxin ingestion
- Object obstruction
- Major trauma
- Insect bites/sting
- Coughing
- Vomiting
Allstate Pet Insurance
The Allstate pet insurance offers a varied option of coverage that cuts across illnesses, diagnosis, surgery, consultation and emergencies. This is an accident and illness insurance that covers your pet for any future illnesses, accidents or procedures conducted during treatment of an illness or diagnosis.
This insurance also covers drug prescription and other forms of therapy such as rehabilitation, behavioral therapy, physiotherapy and hospitalization.
Read more: Petcube Emergency Fund vs Spot Pet Insurance
What is Not Covered By The Insurance
Petcube Emergency Fund
The Petcube Emergency Fund is an emergency-based insurance that would not cover any condition not classified as an ‘emergency’ such as:
- Routine check-ups
- Scheduled appointments
- Planned surgeries
- Pregnancy issues
- Infections like parvovirus
I have come across patients who are covered by emergency packages like the Petcube Emergency Fund being saved from life-threatening conditions. This package would be the best fit if you would like to insure your pet for emergencies.
“The Petcube Emergency Fund is a wholesome and valuable package to use with its irresistible deductibles and perks”, - Reddit User
Allstate Pet Insurance
One notable feature of this insurance is that it does not cover incurable pre-existing conditions, conditions that stay for a lifetime after being contracted would not be covered by the Allstate pet insurance. Aside from this, the following are not covered by this insurance:
- Vaccination
- Pregnancy
- DNA Testing
- Tail Docking
- Ear Cropping
- Routine Check-up
- Breeding
- Deliberate Injury
Read more: Petcube Emergency Fund vs Pets Best Pet Insurance
How Many Pets Can Be Insured
Petcube Emergency Fund
The Petcube Emergency Fund could cover 6 pets per household but would only cover one emergency for one pet at a time. Two Pets can not share the $3000 vet fee coverage. Research shows that pet owners take the health of their pets more seriously when they are insured.
Allstate Pet Insurance
This type of insurance covers more than one pet per household, you can get a 20% premium discount when you register at least two of your furry friends.
What is The Waiting Period for Insurance
Petcube Emergency Fund
Petcube Emergency Fund has a waiting period of 14 days. Subscribers can not enjoy its benefits until after 14 days.
Allstate Pet Insurance
It takes 10-15 days to make claims and receive reimbursement under Allstate Pet Insurance. These claims are managed and processed by another body called Embrace.
Read more: Petcube Emergency Fund vs. Fetch Pet Insurance
How Much Does Insurance Cost
Petcube Emergency Fund
It costs $29/month to sign up for a Petcube Emergency Fund which comes with a $3000 vet fee coverage and access to 24/7 live chats with a Vet.
Allstate Pet Insurance
Allstate Pet Insurance is known for its affordable price plan, you can get your cat and dog insured for $15 - $30 and $24 - $40 respectively.
Conclusion
It is always recommended to combine more than one pet insurance as no insurance covers all pet needs. An emergency plan like the Petcube Emergency Fund would be a good fit if you want to insure your pet against emergencies but would be best to combine it with add-on insurance, accident or illness pet insurance.