Choosing the right insurance policy for your pet is a tricky decision. In this article, I, Ivana Crnec, DVM, will compare two popular options - the Petcube Emergency Fund and Progressive Pet Insurance.
Stop Googling - Ask a Real Vet
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
Studies suggest that “coverage of preventative care” is among the most important factors when pet parents make a pet insurance choice.
Petcube Emergency Fund
The fund covers emergencies and accidents, such as foreign body ingestion, major traumas, intoxications, difficulty breathing, bloats, and stomach upsets.
Progressive Pet Insurance
The insurance has two coverage plans: Accident Only (covers just accidents) and BestBenefit (covers both accidents and illnesses). The BestBenefit plan has two tiers - Best Wellness and EssentialWellness for additional preventative care coverage.
What Is Not Covered by the Insurance
Different policies cover different needs.
“If it only covers checkups and vaccines, it sounds like a wellness plan - insurances cover surgeries, meds, even rehab but not checkups and vaccines,” points out a Reddit user.
Petcube Emergency Fund
The fund does not cover routine care and pre-existing conditions since it is an accident-oriented plan.
Progressive Pet Insurance
The insurance does not cover pre-existing conditions, dietary expenses, and non-veterinary costs like boarding and grooming.
How Many Pets Can Be Insured
The insurance provider decides the number of pets that the policy can cover. Multi-pet parents should look for options that cover multiple dogs and cats for practical reasons.
Petcube Emergency Fund
The fund covers up to six pets with one policy. The funds, however, are limited to a one-time payout of up to $3000.
Progressive Pet Insurance
The insurance requires separate policies for different pets. Each policy plan can be customized to the pet’s needs.
What Is the Waiting Period for Insurance
The waiting period, “the length of time after sign-up until coverage actually begins,” elaborates Doug Kenney, DVM, in an article for PreventiveVet.
The shorter the waiting period, the better, since everything that happens while waiting is considered pre-existing.
Petcube Emergency Fund
The waiting period for the fund is two weeks. The coverage is available for all accidents that occur 14 days after joining.
Progressive Pet Insurance
The waiting period varies for different conditions, and it is three days for accidental injuries, two weeks for illnesses, and six months for ligament conditions. If the wellness add-on is used, there is no waiting period for routine care.
How Much Does Insurance Cost
Studies have found that 75% of pet owners agree that “veterinary care is costly.” Insurance is a good investment that reduces such costs in the long run.
Petcube Emergency Fund
The fund costs $29.99 per month. The brand offers a 27% discount for our its readers (discount links incorporated in the blogs).
Progressive Pet Insurance
The Accident Only plan is $9 for dogs and $6 for cats per month. The cost of the BestBenefit plan is between $14 and $33 (a 5% discount is available if insuring multiple pets).
Conclusion
The Petcube Emergency Fund and Progressive Pet Insurance are both great options. The ideal option depends on what you need. The first is focused on accidents, and the other offers a more comprehensive coverage based on add-ons.
Was this article helpful?
Help us make our articles even better
