Saving money is prudent for the predictable expenses in life, but you pay for insurance because so much of life is unpredictable. But remember that if your pet is uninsured, a single emergency vet visit could wipe out years of personal savings. You may be tempted to try and self-insure-setting aside money every month for medical bills. What we can do is guide you in your research by offering solid advice on the best time to get pet insurance, how to select a strong policy (which includes choosing the right deductible and premiums), and the fine print to watch out for. It proved impossible to definitively say which insurance provider is the best for your pet, their specific needs, and your budget. ![]() But pet insurance isn’t centrally regulated, notes the North American Pet Health Insurance Association policy offerings change from year to year. We spent dozens of hours researching, examining policies, and analyzing more than 100 different quotes across nine different insurers. We first approached this guide in search of the best pet insurance company. Yet there’s no one-size-fits-all solution because the best insurance plan is the one that offers you the best benefits and coverage for your pet at a reasonable price-and that can vary by pet age, breed, and even your zip code. The right plan can help pay for the astronomical cost of vet care for a major treatment. But, depending on your situation, it may be worth having in an emergency. Pet insurance is something you never want to have to use.
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