If you’re a pet parent, then you understand how important it is to keep your furry friend healthy and happy. However, unexpected emergencies or illnesses can quickly rack up expensive veterinary bills. This is where Wishbone Pet Insurance comes in!
As one of the leading pet insurance providers on the market, Wishbone offers comprehensive coverage for your pets at an affordable cost. But what sets them apart from other pet insurers? In this review, we’ll take a closer look at all that Wishbone has to offer and see if they truly live up to their reputation as a top provider in the industry.
What is Wishbone Pet Insurance?
Wishbone Pet Insurance is a company that provides coverage for your furry friends. The company was founded in 2003 and has been providing pet insurance ever since. Wishbone offers different levels of coverage, including Accident-Only, Essential, and Comprehensive plans.
The Accident-Only plan covers emergencies resulting from accidents such as broken bones or cuts. The Essential plan includes the same coverage as the Accident-Only plan plus illness coverage like infections or allergies. The Comprehensive plan covers everything included in previous plans along with preventative care options like vaccinations and check-ups.
One unique feature of Wishbone’s services is their “No Claim Bonus”. This means that if you do not file any claims for a certain period of time (usually one year), your deductible will decrease by $50 each year up to a maximum of $250.
Wishbone Pet Insurance aims to provide peace of mind to pet owners who want to ensure their pets receive excellent medical care without breaking the bank.
The Different Types of Wishbone Pet Insurance Plans
Wishbone Pet Insurance offers three different types of pet insurance plans: Accident-Only, Essentials, and Comprehensive. Each plan provides varying levels of coverage to suit the needs and budget of every pet owner.
The Accident-Only plan covers accidents that may occur such as broken bones or ingestion of foreign objects. It also covers emergency vet visits and treatments related to injuries caused by an accident.
The Essentials plan includes all the benefits provided in the Accident-Only plan plus some extra coverage for illnesses like cancer, infections, and digestive problems. This plan also covers a portion of wellness exams, vaccinations, dental cleanings, flea/tick prevention medications.
Lastly is their most comprehensive policy which is aptly named Comprehensive. Here you’ll get everything included in both plans mentioned earlier plus additional coverages for hereditary conditions (like hip dysplasia), behavioral therapies prescribed by your veterinarian due to anxiety or compulsive behavior disorders etc., prescription food diets if recommended by your vet after surgery/illness/injury recovery periods up until 6 months post-recovery date!
No matter which Wishbone Pet Insurance plan you choose; it’s always best to compare them with others on the market before making your final decision!
Pros and Cons of Wishbone Pet Insurance
Wishbone Pet Insurance has its own set of advantages and disadvantages that every pet owner should consider before signing up. Here are some pros and cons to help you make an informed decision.
Pros:
Firstly, Wishbone offers comprehensive coverage that includes accident, illness, and wellness plans at competitive prices. The company also provides multiple discounts for insuring multiple pets or paying annually.
Secondly, Wishbone has a user-friendly mobile app that allows policyholders to file claims easily and manage their policies efficiently.
Thirdly, the company employs licensed veterinarians who provide expert advice on pet health-related queries.
Wishbone’s customer service team is available 24/7 via phone or email to assist policyholders with any concerns they may have.
Cons:
One of the major drawbacks of Wishbone Pet Insurance is its lack of coverage for pre-existing conditions. Also, there are waiting periods before filing a claim which may cause inconvenience for new customers in immediate need of medical attention. Moreover, some customers have reported delays in reimbursement payments after filing claims despite timely submission.
Wishbone Pet Insurance offers excellent value for money with its low premiums & high-quality coverage but it is important to weigh the pros against the cons before making a final decision.
What Does Wishbone Pet Insurance Cover?
Wishbone Pet Insurance covers a wide range of medical expenses that your pet may incur throughout their life. This includes accidents, illnesses, and routine care such as vaccinations and check-ups. One of the great things about Wishbone is that they offer customizable plans to fit your specific needs and budget.
Accident coverage will cover costs associated with unexpected injuries such as broken bones or swallowed objects. Illness coverage will cover treatment for conditions such as cancer or diabetes. Routine care coverage can include preventative measures like dental cleanings and flea prevention.
Wishbone also offers an optional wellness package that can be added to any plan for extra peace of mind in covering routine expenses. This could include annual exams, vaccines, heartworm testing, spaying/neutering procedures, etc.
It’s important to note that pre-existing conditions are not covered by any pet insurance provider including Wishbone. It’s always best to enroll your pet when they are young and healthy before any issues arise.
Wishbone Pet Insurance provides comprehensive coverage options for pets at affordable prices so you won’t have to worry about unexpected vet bills breaking the bank.
How Much Does Wishbone Pet Insurance Cost?
Wishbone Pet Insurance offers a range of plans to fit different budgets and needs. The cost of the insurance will depend on various factors such as your pet’s age, breed, health status and coverage level.
The basic plan starts at around $15 per month for cats and $25 per month for dogs, while their most comprehensive plan can cost up to $100 or more depending on your pet’s specific needs. However, pricing may vary based on location so it is best to check with Wishbone directly.
While some pet owners may think that monthly premiums are an added expense they don’t need, the benefits of having pet insurance far outweigh the costs in case of emergencies or unexpected illnesses. With Wishbone Pet Insurance, you’ll have peace of mind knowing that your furry friend’s medical bills will be covered if something goes wrong.
Considering the potential financial burden that comes with taking care of pets’ medical expenses without insurance makes paying for monthly premiums worth it – especially when compared to potentially thousands in veterinary bills otherwise.
Alternatives to Wishbone Pet Insurance
While Wishbone Pet Insurance has its benefits, it may not be the best option for every pet owner. Fortunately, there are several alternatives available on the market.
One popular alternative is Healthy Paws Pet Insurance. This company offers comprehensive coverage with unlimited lifetime benefits and no annual or per-incident limits. They also have a fast claims process and cover alternative therapies like acupuncture and hydrotherapy.
Another great option is Embrace Pet Insurance which allows you to customize your policy based on your specific needs. They offer flexible annual deductibles, affordable monthly premiums, and coverage for pre-existing conditions after a year of continuous coverage.
If you’re looking for even more customization options, consider Trupanion Pet Insurance. They offer 90% reimbursement rates with customizable deductible levels and no payout limits. However, keep in mind that they do not cover routine care expenses like vaccinations or wellness exams.
ASPCA Pet Health Insurance offers plans with accident-only coverage as well as comprehensive plans that include illness protection. Their policies come with an optional preventive care add-on for extra peace of mind.
Take some time to research different pet insurance providers before making a decision – each one has its strengths and weaknesses depending on what you’re looking for in a policy.
Conclusion
After carefully reviewing Wishbone Pet Insurance, it’s clear that the company offers comprehensive and affordable pet insurance plans for pet owners. With several options to choose from, pet owners can select a plan that suits their budget and coverage needs.
Wishbone Pet Insurance has received positive reviews from customers who have praised the company’s excellent customer service, quick claim processing times, and hassle-free claims process.
While there are some limitations to Wishbone’s coverage options such as its lack of exotic pets coverage or breeding-related conditions, overall it still provides great value for money compared to other pet insurance providers.
Pet owners should evaluate their individual needs when considering which type of policy will be best suited for them. If you’re looking for an affordable option with solid benefits and good customer service ratings, then Wishbone Pet Insurance could be worth considering.
Investing in your furry friend’s health is always a wise decision – with Wishbone Pet Insurance providing reliable cover at reasonable prices; giving you peace of mind in knowing your beloved companion is protected if they were ever to fall ill or suffer an injury.