Pet Insurance: 2016's Best Critical Illness PlansPet Insurance
Aug 2014
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Compare Pet Insurance Plans

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Pet insurance won't cover costs for any condition that your pet showed signs of before the start date of the policy. (Medical records or a vet exam might be required to establish your pet's health). But, pet insurance will cover new conditions and accidents. Also, all the pet insurance plans here will cover conditions that your pet might have been born with but haven't showed up yet. These are called hereditary or congenital conditions. So it's still important to get covered!

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Critical Illness Pet Insurance Plans

Adult Bulldog and PuppyWhat is a Critical Illness Plan?

A critical illness insurance plan is different than other plans and pays a lump sum of money out to you when your pet is stricken with cancer or suffers a major covered illness or event such as a stroke or heart attack.

The plan varies from other pet health plans because you are given the money directly when your pet is diagnosed with any of the approved conditions. Traditional plans will pay the provider when something happens to your pet and you do not see that money. Or a traditional plan may reimburse you, but only for what you spent on covered equipment and services.

What Can the Money be Used on?
The lump sum that you are given from your insurance provider can be used for different things related to the care of your pet including:

◦   Medical expenses
◦   Travel expenses
◦   Child care
◦   Lost time from work

How Much Does a Critical Plan Cost?
The cost varies depending on a couple factors about your pet, including:

◦   Age
◦   Species
◦   Breed
◦   Location

There are no co-pays or deductibles with this plan and you are never required to pay more than your monthly payment every month.
You can combine critical illness plans with other pet insurance policies to receive the best possible care for your pet at an affordable price.