Navigating the complex world of pet insurance plans, policies, and reimbursements can be quite a challenge. In this article, I, Ivana Crnec, DVM, will compare the Petcube Emergency Fund and the Paw Protect Pet Insurance to simplify things.
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Content:
- What is Covered By The Insurance
- How Many Pets Can Be Insured
- How Much Does Insurance Cost
- How to Cancel Pet Insurance
- Conclusion
What is Covered By The Insurance
"As with any contract, it's important to thoroughly read the policy terms and conditions and ask any questions to fully understand what is covered and what is not," says Dr. Pavia in an article for CBS News.
Petcube Emergency Fund
The Petcube Emergency Fund covers life-threatening situations. Unlike traditional insurance policies, Petcube provides a universal plan for emergency coverage. Covered vet bills include:
- Foreign body ingestions
- Major trauma and broken bones
- Difficulty breathing
- Toxin ingestion
- Vomiting and diarrhea
- Insect bites or stings
The Petcube Emergency Fund additionally offers unlimited 24/7 access to online veterinarians.
Paw Protect Pet Insurance
The Paw Protect Pet Insurance has a comprehensive coverage plan that includes:
- Congenital and genetic conditions
- Emergency and specialist care
- Dental illnesses and accidents
- Cancer, chronic, and preventable diseases
- Diagnostic tests and procedures
- Complementary treatments and rehabilitation
- Surgery and hospitalization
- Prescription medications
Paw Protect Pet Insurance provides 24/7 telehealth services and an optional Wellness Rewards plan that covers routine checkups and preventative care.
How Many Pets Can Be Insured
“More than 1 out of 4 families struggle to access veterinary care in the United States,” reports a study published in 2023.
Having all household pets insured can be a financial relief.
Petcube Emergency Fund
The Petcube Emergency Fund allows covering up to 6 pets (dogs or cats) that live in the same household. The fund covers one emergency vet bill per year and can’t be split between pets and emergencies.
Paw Protect Pet Insurance
The Paw Protect Pet Insurance applies to one dog or cat. However, the brand offers clients a convenient 10% discount for multi-pet insurance policies.
How Much Does Insurance Cost
“Providing pet owners’ information about the costs and likelihood of disease can increase their willingness to pay for pet insurance,” concludes a 2021 study.
Petcube Emergency Fund
The Petcube Emergency Fund costs $29.00 per month. Petcube awards owners who read their educational pet blogs with a 20% discount (available through a provided link). The subscription with the discount is $21.17.
Paw Protect Pet Insurance
The Paw Protect Pet Insurance price depends on the dog’s age and breed as well as your living area. For example, the monthly fee for a 2-year-old mixed-breed dog from Texas is $45, and the price goes up to $204 for an 8-year-old French Bulldog from the same state.
How to Cancel Pet Insurance
“You don’t think you need it until you do, and by then it’s too late,” says a Reddit user. However, cancellation should be considered in some situations.
Petcube Emergency Fund
You can cancel the Petcube Emergency Fund via the mobile app or your Petcube account. The cancellation can be done at any time. Canceling the fund does not refund former investments; it just stops subscription renewal.
Paw Protect Pet Insurance
You can cancel the Paw Protect Pet Insurance by logging in to your customer account. For more details, it is advisable to contact the provider, via mail or a phone call.
Conclusion
Petcube Emergency Fund offers an accident-coverage plan, while Paw Protect Pet Insurance is a comprehensive insurance covering diseases and accidents. Both options have pros and cons and it all comes down to what you and your pet need.
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