If you’re a pet owner, you know how important it is to keep your furry friend healthy and happy. But what happens when unexpected medical expenses arise? That’s where pet insurance comes in, and Purina Pet Health Insurance is one of the most popular options on the market. In this review, we’ll take a closer look at Purina Pet Health Insurance to determine if it’s worth the investment.
Table of Contents
- What is Purina Pet Health Insurance?
- Coverage Options
- Waiting Periods and Deductibles
- Reimbursement Rates
- Enrollment and Claims Process
- Customer Service
- Pricing
- Pros and Cons
- FAQs
- Conclusion
What is Purina Pet Health Insurance?
Purina Pet Health Insurance is a pet insurance company that offers coverage for dogs and cats. The company was founded in 2003 and is underwritten by the United States Fire Insurance Company, which is a member of the Crum & Forster group. Purina Pet Health Insurance offers customizable coverage options to fit the specific needs of pet owners, including accident and illness coverage, wellness coverage, and preventive care coverage.
Coverage Options
Purina Pet Health Insurance offers three main types of coverage: accident and illness coverage, wellness coverage, and preventive care coverage. Accident and illness coverage is the most comprehensive coverage option and includes coverage for a range of medical expenses, including hospitalization, surgeries, and prescription medications. Wellness coverage, on the other hand, covers routine preventive care, such as vaccinations and annual check-ups. Preventive care coverage is an add-on to accident and illness coverage and covers services like flea and tick prevention and dental cleanings.
Waiting Periods and Deductibles
Like most pet insurance companies, Purina Pet Health Insurance has to wait periods and deductibles. The waiting period is the amount of time between when you enroll in the policy and when the coverage begins. Purina Pet Health Insurance’s waiting period is 14 days for accidents and illnesses. The deductible is the amount of money you pay out of pocket before the insurance kicks in. Purina Pet Health Insurance offers deductibles ranging from $100 to $1,000.
Reimbursement Rates
Purina Pet Health Insurance offers three reimbursement options: 70%, 80%, and 90%. This means that after you’ve met your deductible, the insurance will cover either 70%, 80%, or 90% of your pet’s medical expenses. The higher the reimbursement rate, the higher the monthly premium.
Enrollment and Claims Process
Enrolling in Purina Pet Health Insurance is a straightforward process. You can enroll online or over the phone, and you’ll need to provide some basic information about your pet, including their age and breed. To file a claim, you’ll need to fill out a claim form and provide documentation of your pet’s medical expenses. Purina Pet Health Insurance offers a mobile app that allows you to submit claims and track the status of your claims.
Customer Service
Purina Pet Health Insurance has a reputation for excellent customer service. The company has a 24/7 customer service line, and you can also contact customer service via email or live chat. Purina Pet Health Insurance also offers a 30-day money-back guarantee, so you can try out the insurance and see if it’s right for you and your pet.
Pricing
The cost of Purina Pet Health Insurance varies depending on the coverage options you choose, your pet’s age, and their breed. The average monthly premium for accident and illness coverage is around $40 for dogs and $25 for cats. Wellness coverage and preventive care coverage are add-ons and come with additional costs. The monthly premium for wellness coverage is around $17 for dogs and $10 for cats, while preventive care coverage can cost anywhere from $9 to $24 per month depending on the coverage level.
Pros and Cons
Before making a decision about whether or not to invest in Purina Pet Health Insurance, it’s important to consider the pros and cons. Some of the pros of Purina Pet Health Insurance include customizable coverage options, a straightforward claims process, and excellent customer service. Additionally, the company has a reputation for fast claims processing and reimbursement. However, there are some cons to consider as well. The cost of the insurance can be expensive, particularly for older pets or those with pre-existing conditions. Additionally, some pet owners may prefer a policy with a higher reimbursement rate than the 90% maximum offered by Purina Pet Health Insurance.
FAQs
- What is the maximum reimbursement rate offered by Purina Pet Health Insurance?
- The maximum reimbursement rate offered by Purina Pet Health Insurance is 90%.
- Does Purina Pet Health Insurance cover pre-existing conditions?
- No, pre-existing conditions are not covered by Purina Pet Health Insurance.
- Can I enroll multiple pets on one policy with Purina Pet Health Insurance?
- Yes, you can enroll multiple pets on one policy with Purina Pet Health Insurance.
- What is the waiting period for accident and illness coverage with Purina Pet Health Insurance?
- The waiting period for accident and illness coverage with Purina Pet Health Insurance is 14 days.
- Does Purina Pet Health Insurance offer a money-back guarantee?
- Yes, Purina Pet Health Insurance offers a 30-day money-back guarantee.
Conclusion
Overall, Purina Pet Health Insurance is a reputable pet insurance company that offers customizable coverage options and excellent customer service. While the cost of the insurance can be high, the company’s reputation for fast claims processing and reimbursement makes it a worthwhile investment for many pet owners. As with any insurance policy, it’s important to carefully consider your pet’s specific needs and your budget before making a decision about whether or not to enroll in Purina Pet Health Insurance.
