Getting your pet covered by insurance is the best decision you make for your pet but picking the right insurance package for your pet is tricky. Different plans come with their perks and picking the right one to fit your pet’s needs is crucial. In this article, we will review the Petcube Emergency Fund and Petsmart Pet Insurance highlighting their features and differences.


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Content:

  1. What is Covered By The Insurance
  2. What is Not Covered By The Insurance
  3. How Many Pets Can Be Insured
  4. What is The Waiting Period for Insurance
  5. How Much Does Insurance Cost
  6. Conclusion

What is Covered By The Insurance

Petcube Emergency Fund

A unique feature of the Petcube Emergency Fund is its emergency coverage which includes conditions that are not planned for or happened all of a sudden and need urgent coverage, such conditions include:

Pre-existing conditions can only be insured if they include any emergency like a sudden collapse in the course of treatment, covering only the emergency condition. As a Vet, I have witnessed and attested that packages like the Petcube Emergency Fund have proven to save a lot of pets from euthanasia by making available funds for surgery which has also been reported in some research.

Petsmart Pet Insurance

The Petsmart pet insurance service is designed to cover only preventative health measures. These are measures that would keep the pet in good health and prevent any possibility of a disease condition, some of the services covered include:

What is Not Covered By The Insurance

Petcube Emergency Fund

Petcube emergency fund does not cover any planned treatment or scheduled Vet visits. Conditions must be scaled by the emergency fund Vets to be classified as an ‘Emergency’ or ‘Life-threatening’ and would not be covered if it includes any of the following:

  • Scheduled appointments
  • Regular check-ups
  • Scheduled surgeries
  • Wellness visits
  • Pregnancy issues
  • Parvovirus infection

“Signing up for the Petcube Emergency Fund has been a wholesome experience for me due to its valuable deductibles and other perks”, - Reddit User

Petsmart Pet Insurance

The only downside to the Petsmart pet insurance package is that it does not cover injuries or illnesses which makes it a supplemental insurance to others. Any service other than a preventive measure would most likely not be covered by this insurance.

How Many Pets Can Be Insured

Petcube Emergency Fund

The $3000 Petcube Emergency Fund can not be split among different emergencies. The Emergency Fund is available to a pet parent with a maximum of 6 pets and would only cover one emergency at a time for one dog once a year.

Petsmart Pet Insurance

Petsmart Pet Insurance requires households with multiple pets to register their pets independently but would enjoy a discount of about $15 for subsequent pets registered after the first. The Petsmart Pet Insurance covers one pet at a time but can take in as many as possible per household.

What is The Waiting Period for Insurance

Petcube Emergency Fund

The waiting period for a Petcube Emergency Fund is 14 days after registration. You won’t enjoy its benefits even if you have an emergency until 14 days have passed.

Petsmart Pet Insurance

There is no waiting period since the Petsmart Pet Insurance is designed to be more or less a wellness plan. Reimbursements are done automatically as far as the monthly fees are paid. This fast reimbursement has been able to improve even veterinary services due to the availability of funds as observed in a study.

How Much Does Insurance Cost

Petcube Emergency Fund

It only costs $29/month to sign up for a Petcube Emergency Fund which gives you access to a 24/7 chat with Vets and a one-time coverage of $3000 per year.

“Factors such as your pet’s age, breed and health history can affect what type of insurance is best fit”, - Dr. Sandra C. Mitchell

Petsmart Pet Insurance

Petsmart Pet Insurance cost depends on a few factors such as; age, sex and breed of the pet. The average monthly costs for dogs and cats under this insurance are $59.5 and $49.5 respectively.

Conclusion

The striking difference between a Petcube Emergency Fund and a Petsmart Pet insurance is the Petcube Emergency Fund coverage for emergencies while the Petsmart Pet Insurance covers only preventive treatments. They can both be used as insurance for your pet as they give complete coverage when combined. When choosing an insurance package, make sure it aligns with the present and future needs of your pet.

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