Pet Priority Pet Insurance Review – Coverage For Your Furry Friend
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Owning a pet is an experience filled with boundless love, unforgettable moments, and cherished companionship. Whether it's the overjoyed wag of a tail or the purr of contentment, pets improve our lives in immeasurable ways.
Yet, amid the joy they bring, the responsibility of caring for their well-being looms large. From unexpected accidents to unforeseen illnesses, pet ownership is fraught with uncertainties. In times like this, pet insurers offer pet owners peace of mind.
Pet health insurance is a vital safety net, offering financial support when navigating the complexities of veterinary care. In this Pet Priority pet insurance review, we will tell you everything you need to know — from the company itself to coverage and user reviews.
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A primer on pet insurance
Before we officially begin our review, there are a few things you should be aware of before buying pet insurance.
Like other forms of insurance, pet insurance coverage also comes with a waiting period, during which certain benefits may not be available immediately after enrollment. The annual limit varies from one insurer to another, and you can even get a discount for microchipping your pet.
A deductible option allows pet owners to choose an amount that aligns with their budget and preferences. This annual deductible represents the amount policyholders must pay out of pocket before their insurance coverage kicks in.
Pet insurance covers a wide range of expenses, including exam fees and hospitalization. However, some insurers may not cover neutering and spaying procedures.
Pet owners can enhance their coverage with optional add-on benefits, such as coverage for congenital and hereditary conditions. These add-ons allow policyholders to customize their insurance plans to suit their pets' needs.
The Easy Way to Compare & Shop Pet Insurance
- Free quote in less than 60 seconds
- Speak with a Vet at any time
- Up to 10% multi-pet discount
What is Pet Priority?
Pet Priority is a pet insurance marketplace that connects users with pet insurance companies in the U.S. The company currently matches cat and dog parents with insurers.
With Pet Priority, you can discover potential savings you may have previously overlooked, maximizing the value of your investment in your pet's health. Their preventative packages are designed to encompass veterinary care that you may already be covered financially, providing peace of mind and financial relief.
From routine wellness exams to essential medical advice chats, Pet Priority covers various preventative measures, including fecal or internal parasite tests, flea/tick or heartworm medication, vaccines, routine dental cleanings, heartworm tests, and blood tests.
It has also received glowing reviews from customers who commend the company for obtaining pet insurance easily. When it comes to the claims process, the company prioritizes simplicity and efficiency, allowing policyholders to file claims quickly and easily online or through the company's mobile app.
But perhaps the best part is that the company offers insurance regardless of the age limit — senior pets get some love, too, as the website offers plans for pets as much as 18 years old.
How does Pet Priority pet insurance work?
Pet Priority works like any other insurance marketplace.
You’re asked many questions; the system will match you with insurers depending on how you answer them. I was asked questions about my pet’s breed, as well as its:
- Name
- Pet’s age
- Date of birth
- The zip code where the pet is
In addition, I was asked about myself, such as my name, email address, and phone number—pretty standard stuff. All in all, it took me less than a minute to fill out all the information.
There’s also a 10% discount if you get multiple pets insured. As a reminder, Pet Priority only matches cat and dog parents with insurers.
How much does Pet Priority cost?
Utilizing Pet Priority's matching service doesn't cost pet owners a penny. Yes, you read that right—zero dollars. Pet owners can explore and benefit from Pet Priority's expertise and resources without worrying about upfront costs or hidden fees. It's a win-win scenario.
But how does Pet Priority sustain itself without charging users? The answer lies in its approach to partnerships. Rather than relying on user fees for revenue, Pet Priority collaborates with insurers, compensating the company for being a part of its network. This mutually beneficial arrangement allows Pet Priority to offer its matching service for free while ensuring pet owners can access various insurance options tailored to their needs.
Related: Managing Your Pet's Healthcare Costs
The Easy Way to Compare & Shop Pet Insurance
- Free quote in less than 60 seconds
- Speak with a Vet at any time
- Up to 10% multi-pet discount
What does Pet Priority pet insurance include?
Pet insurance covers a range of veterinary expenses tailored to meet the needs of pet owners and their furry companions.
One coverage option is accident-only insurance, which is tailored to handle veterinary expenses directly related to accidents. This coverage comes into play in various scenarios, including trauma, poisoning, bites from animals or insects, being hit by a car, bone fractures, and other unforeseen mishaps. An accident-only plan provides financial protection for pet owners when their furry friends encounter sudden and unexpected injuries.
The accident and illness plan is an ideal choice for those seeking more extensive coverage. This comprehensive plan covers accidents and extends its protection to include veterinary care related to illnesses. From common ailments like ear infections to more serious conditions such as cancer treatments, digestive illnesses, and hip dysplasia, this coverage ensures that pets receive the necessary medical attention without placing undue financial strain on their owners.
Routine wellness and preventative care plans offer yet another layer of protection for pets. These plans focus on reimbursing essential preventive procedures, including dental teeth cleaning, vaccinations, flea treatments, and sterilization surgeries. By investing in preventive care, pet owners can proactively maintain their pets' health and potentially avoid more serious health issues.
Who is Pet Priority Pet Insurance suitable for?
Pet Priority insurance is well-suited for pet owners who prioritize their pets' health and well-being and seek financial protection against unexpected veterinary expenses.
Here's who could benefit from Pet Priority:
- Responsible pet owners. Pet Priority is ideal for pet owners who want to ensure their furry companions receive the best possible care without worrying about the financial burden of unexpected accidents or illnesses.
- Pet parents with active lifestyles. If you have a pet that enjoys outdoor activities or is prone to accidents, Pet Priority's accident-only coverage can provide peace of mind knowing that you're prepared for any mishaps.
- Pet owners with senior pets. As pets age, they may require more frequent veterinary care for illnesses and age-related conditions. Pet Priority's comprehensive accident and illness coverage can help offset the cost of these medical expenses, ensuring that senior pets receive the care they need.
- Families with multiple pets. Pet Priority offers customizable plans to accommodate households with multiple pets, making it convenient for families to manage their pets' healthcare needs under one pet insurance policy.
- Pet owners interested in preventive care. For those who prioritize preventive care for their pets, Pet Priority's routine wellness and preventative care plans offer coverage for essential procedures like vaccinations, dental cleanings, and flea treatments, helping to maintain their pets' health and prevent future health issues.
Who shouldn't use Pet Priority Pet insurance?
While Pet Priority Pet Insurance offers valuable coverage options for many pet owners, there are a few scenarios where it may not be the best fit:
Pet owners with extremely limited budgets. While Pet Priority strives to offer competitive pricing and value, pet insurance premiums can still represent an additional expense. Pet owners with extremely tight budgets may struggle to afford pet insurance premiums alongside other essential expenses.
Owners who have pets with pre-existing conditions: Like most pet insurance providers, Pet Priority typically does not cover pre-existing conditions. Pet owners whose pets have significant pre-existing health issues may find limited benefit from a pet insurance policy.
Those seeking coverage for routine expenses only. If you're primarily interested in coverage for routine veterinary expenses like annual checkups and vaccinations, you may find that the cost of a pet insurance policy outweighs the potential savings. In this case, paying for routine expenses out-of-pocket may be more cost-effective.
The Easy Way to Compare & Shop Pet Insurance
- Free quote in less than 60 seconds
- Speak with a Vet at any time
- Up to 10% multi-pet discount
Pros and cons
Pros
- Easy matching process. Pet Priority's user-friendly matching service makes it simple for pet owners to find a suitable pet insurance plan, with no upfront costs or hidden fees.
- Comprehensive coverage options. Pet Priority offers a range of coverage options, including accident-only, accident and illness, and routine wellness plans.
- Financial relief. Pet Priority provides financial support to pet owners facing unexpected veterinary expenses, helping to alleviate the burden of costly vet bills.
- Senior pet coverage. Pet Priority extends coverage to senior pets, acknowledging their unique healthcare needs.
- Convenient multi-pet discounts. Pet owners with multiple pets can take advantage of Pet Priority's multi-pet discounts, making it more affordable to insure all their furry companions under one policy.
Cons
- Limited species coverage. Pet Priority currently only matches cat and dog parents with insurers, limiting options for pet owners with other types of pets such as birds, reptiles, or small mammals.
- Exclusions for pre-existing conditions. Like most pet insurance providers, Pet Priority does not cover pre-existing conditions.
FAQs
What is Pet Priority pet insurance?
Pet Priority is a pet insurance marketplace that connects pet owners with insurers offering coverage for their furry companions. It helps pet parents find suitable insurance plans tailored to their pets' needs and budgets.
Is there a cost to use Pet Priority?
No, utilizing Pet Priority's matching service is completely free for pet owners. There are no upfront costs or hidden fees associated with finding insurance coverage through Pet Priority.
What types of coverage does Pet Priority offer?
Pet Priority offers a range of coverage options, including accident-only insurance, accident and illness insurance, and routine wellness plans. These plans provide financial protection for various veterinary expenses, from unexpected accidents to routine preventive care.
Does Pet Priority offer coverage for senior pets?
Yes, Pet Priority extends coverage to senior pets, recognizing their unique healthcare needs as they age. Pet owners can find suitable insurance plans to ensure their senior pets receive the care they need without financial strain.
What if I have a pet other than a cat or dog?
Currently, Pet Priority matches cat and dog parents with insurers. If you have a pet other than a cat or dog, you may need to explore alternative insurance options outside of Pet Priority's platform.
The bottom line
Pet Priority pet insurance stands out as one of the best pet insurance options on the market; perhaps it is the only pet insurance comparison tool available today.
With its user-friendly matching service, Pet Priority efficiently connects pet parents with insurers, ensuring they find the right coverage for their furry companions without any upfront costs. By offering accident-only, accident and illness, and routine wellness plans, Pet Priority caters to a diverse range of pet care needs, from unexpected emergencies to preventive care.
While Pet Priority is suitable for many pet owners who prioritize their pets' health and well-being, it may not be the best fit for those with extremely limited budgets, pets with pre-existing conditions, or individuals seeking coverage solely for routine expenses.
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Writer
Jasir Jawaid is Joy Wallet's Assistant Editor. He has more than 13 years of experience as a journalist covering Wall Street, equities, financial policy and regulation, and cryptocurrency and blockchain.
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