Comparing pet insurance policies is challenging. In this article, I, Ivana Crnec, DVM, will help you see the differences between two options - the Petcube Emergency Fund and Towergate 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 Insurance
- How Much Does Insurance Cost
- Conclusion
What Is Covered by the Insurance
Studies suggest that “pet health insurance covers unexpected costs.” However, some options have more extensive coverage, including wellness plans.
Petcube Emergency Fund
The fund covers a wide range of emergencies and accidents, including foreign body ingestion, trouble breathing, stomach upsets, bloats, and major traumas.
Towergate Pet Insurance
The insurance has six plans: Accident Only, Bronze, Silver, Gold Premium, Lifetime Extra, and Lifetime Premier. Each plan has different coverage. In addition to vet fees, the plans can cover theft, straying, holiday cancellation payments, kennel fees, and third-party liabilities.
What Is Not Covered by the Insurance
Pre-existing conditions and elective surgeries are usually not covered by the insurance. Always “search the company’s website for a list of conditions that are not covered,” advises Sandra C. Mitchell, DVM, in a PetMD article.
Petcube Emergency Fund
The fund is emergency and accident-oriented, meaning it does not cover routine wellness care and pre-existing problems.
Towergate Pet Insurance
The insurance does not cover pre-existing conditions for which the pet is already showing signs or receiving treatment. It also does not cover meds prescribed prior to the waiting period.
How Many Pets Can Be Insured
The number of pets that can be insured varies among providers. Policies that include various pets are recommended for multi-pet parents.
Petcube Emergency Fund
The fund allows naming up to six pets in one policy, but the monetary fund is restricted to a one-time payout of up to $3000.
Towergate Pet Insurance
The insurance does not allow including more than one pet per single policy. Each pet requires a separate policy.
What Is the Waiting Period for Insurance
The waiting period is the time between signing up for insurance and the actual coverage start.
“Anything seen prior to the insurance waiting period being up will be a pre-existing condition and not covered,” adds a Reddit user.
Petcube Emergency Fund
The fund’s waiting period is two weeks. The coverage is valid for all accidents occuring 14 days after signing up.
Towergate Pet Insurance
The insurance notes a waiting period of between 10 and 30 days until the policy is active and the insurance starts paying. However, they offer instant coverage for the accident plan.
How Much Does Insurance Cost
The average pet insurance is $56 for dogs and $32 for cats. However, it is less of a financial burden than paying for vet bills out of pocket since, according to studies, parents describe vet care as “costly.”
Petcube Emergency Fund
The fund is $29.99 per month, but the brand has an impressive 27% discount for blog readers.
Towergate Pet Insurance
The provider calculates the insurance cost once the parent requests a quote and includes info about the pet. New clients are rewarded with a 20% discount.
Conclusion
The Petcube Emergency Fund and Towergate Pet Insurance are excellent insurance providers. Petcube is great for accidents and allows signing multiple pets per policy, while Towergate has more flexible coverage options but does not have multi-pet plans.