Many insurance companies offer policies tailored to pets. Finding the right one among the plenty of choices is tricky. In this article, I, Ivana Crnec, DVM, will compare two popular competitors - the Petcube Emergency Fund and USAA Pet Insurance.
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Content:
- What is Covered By The Insurance
- What is Not Covered By The Insurance
- What is The Waiting Period for Insurance
- How Much Does Insurance Cost
- Conclusion
What is Covered By The Insurance
Different providers cover various situations. Studies explain that “insurance exists because bad things happen.” A good plan covers accidents, chronic conditions, and/or wellness plans.
Petcube Emergency Fund
Petcube’s primary focus is emergencies, such as car accidents, stomach upsets, broken bones, foreign body ingestions, intoxications, and bloat.
USAA Pet Insurance
The insurance plan covers accidents and illnesses, chronic disease, most orthopedic conditions, cancer treatment, prescription medications, alternative therapies, dental injuries, and end-of-life care and euthanasia.
Read more: Petcube Emergency Fund vs. Lemonade Pet Insurance
What is Not Covered By The Insurance
Elective surgeries, genetic diseases, and pre-existing conditions are not typically covered by pet insurance. Policies, however, are still “definitely worth getting,” says a Reddit user.
Petcube Emergency Fund
The fund does not cover routine veterinary care and pre-existing conditions. Petcube is made to provide financial relief in cases of accidents and emergencies.
USAA Pet Insurance
USAA does not cover hereditary or genetic issues, pre-existing diseases, advanced dentistry, breeding and whelping costs, therapeutic diets, obedience training, and behavior modification.
Read more: Petcube Emergency Fund vs. Progressive Pet Insurance
How Many Pets Can Be Insured
“Having insurance ensures that financial concerns won’t impede necessary treatment,” says Caroline Romeo, DVM, in an article for ArecVet. Therefore, it is vital to use a provider that can cover all of your pets.
Petcube Emergency Fund
The fund allows adding six pets to one policy. The trick, however, is that the total fund amount is the same ($3000) regardless of how many animals the policy includes.
Fund USAA Pet Insurance
USAA requires individual plans for each pet. However, policyholders are given a 10% discount if they enroll multiple pets.
Read more: Petcube Emergency Fund vs. Paw Protect Pet Insurance
What is The Waiting Period for Insurance
The waiting period for insurance is the timeframe between signing up and the policy becoming active. The waiting period varies among providers.
Petcube Emergency Fund
Petcube’s waiting time is 14 days. The two-week waiting period is perfectly reasonable since the fund is strictly accident/emergency-oriented.
USAA Pet Insurance
The insurance’s waiting period is 0 days for wellness care, 2 weeks for illnesses, and 6 months for orthopedic conditions.
Read more: Petcube Emergency Fund vs Spot Pet Insurance
How Much Does Insurance Cost
Studies conclude that “cost is often a barrier to providing optimal veterinary care.” Having good pet insurance overcomes the issue.
Petcube Emergency Fund
The Petcube Fund costs $29.99/month. A convenient 27% discount is available for blog readers.
USAA Pet Insurance
Prices vary depending on the exact plan, but the average cost of USAA Pet Insurance for dogs is $73 per month and $39 per month for cats.
Read more: Petcube Emergency Fund vs MetLife Pet Insurance
Conclusion
The Petcube Fund and USAA Pet Insurance are fantastic options. If you need affluent accident coverage, Petcube is your best option. However, if you prefer a more comprehensive plan, we suggest USAA Pet Insurance.
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