Best Pet Insurance in Delaware (2024 Guide)
We researched the best pet insurance companies nationwide, comparing coverage, costs, reimbursement options, waiting periods, and more. We narrowed down our choices to the best affordable pet insurance companies in Delaware and detailed their key features below. Through our research, we’ve found that the best pet insurance provider in Delaware is Spot for its unlimited coverage option and multi-pet discounts.
- A pet emergency can happen anytime, whether you’re cozying up at home with your tabby cat or grabbing a special treat for your dog at Salty Paws. Enrolling your pet in a pet health insurance plan ensures you won’t have to worry about expensive vet bills if and when unexpected health problems arise.
How Do DE Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
---|---|---|---|---|
$38.44 | $21.53 | VISIT SITE | ||
$65.15 | $53.43 | VISIT SITE | ||
$44.83 | $24.68 | VISIT SITE | ||
$49.85 | $26.55 | VISIT SITE | ||
$44.79 | $16.36 | VISIT SITE | ||
$114.73 | $57.19 | VISIT SITE | ||
$60.77 | $37.93 | VISIT SITE |
Who Are Delaware’s Top 7 Pet Insurance Providers?
- Most Customizable Plans: Spot
- Healthy Paws
- Embrace
- Fetch Pet Insurance
- Figo
- Wagmo
- Trupanion
What Does Pet Insurance Cover and Not Cover?
- Pet insurance coverage varies based on the plan you choose, such as an accident-only or an accident-and-illness plan. Accident-only plans cover diagnostic testing, hospitalization, surgeries, emergency care, and prescription medications related to accidents and injuries. An accident-and-illness plan is more comprehensive, covering everything in the accident-only plan plus diseases and health conditions.
- Several providers offer wellness care add-ons. These are added to your standard plan for an extra monthly fee and cover routine care such as exam fees, vaccinations, spay or neuter surgery, dental cleanings, and flea, heartworm, and tick prevention. (Covered services vary across providers. Be sure to choose a provider that covers your pet’s needs.)
- Every pet insurance plan has exclusions, or certain injuries, illnesses, or conditions that are not covered. Preexisting conditions are a common exclusion among providers. This includes any health condition your pet was diagnosed with or showed symptoms of before your policy was active (including during the waiting period). Other common exclusions include breeding costs, boarding costs, cosmetic or elective surgeries, grooming, and preventive care (unless you purchase an add-on package). Make sure to read the fine print prior to enrollment to understand what your provider will and will not cover.
- A few companies, such as Embrace and Spot, will consider covering a preexisting condition as long as your pet has not shown symptoms or received treatment for it within a set waiting period.
Is Pet Insurance in Delaware Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in Delaware due to the added security and peace of mind. Whether you’re walking your dog on the sandy beaches of Rehoboth or adopting a new feline friend from Delaware Pet Rescue, you want to be prepared for the unexpected. A pet insurance policy will bring you peace of mind that the care of your furry family member will be covered if an emergency arises.
We recommend Spot as the best option for Delaware pet owners, particularly those looking for affordable, flexible coverage options. It’s best to get quotes from at least three pet insurance providers to compare and choose the right policy for you and your beloved pet.
FAQs About Delaware Pet Insurance
Is pet insurance in Delaware worth it?
Pet insurance is worth it for many pet owners. We surveyed 1,000 pet owners across the United States, and 93% said they felt pet insurance was worth it. An accident or illness can happen anytime. Pet insurance prevents you from paying expensive vet bills and ensures your pet gets the care it needs.
How much is pet insurance in Delaware?
Pet insurance in Delaware averages $30–$50 per month for dogs and $15–$30 per month for cats. Pet insurance premiums can cost anywhere from $15–$100 per month. Monthly costs vary depending on your provider, location, and pet’s age and breed. For example, French bulldogs are costlier to insure because they’re predisposed to respiratory issues.
Do I have to pay vet bills up-front if I have pet insurance?
Yes, you typically have to pay vet bills up-front if you have pet insurance. You will have to submit a claim, along with the necessary paperwork from your vet, to be reimbursed. Some providers, such as Trupanion and Pets Best, offer vet direct payments so you don’t have to wait for reimbursement.
Our Rating Methodology
We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our team at reviews@thisoldhousereviews.com.