I looked at the vet bill I couldn’t pay and wondered “how much of my pup must I sacrifice”? It was one of those off-leash accidents. It just snapped, and off she went… Now, 24 hours later, I know why her mother looks at me with hate in her eyes. And why the sight of our dog’s deformed legs may even lead to a lifelong breakup. -Regretful Dog Owner
Potential Costs Of NOT Having Pet Insurance
The earlier your pet is covered by a dog health insurance, the more likely you will get a favorable quote that makes you sleep better at night.
Tibetan Mastiff Dog Insurances - Review Process
We asked Ella Minerva – an independent review writer – to run quotes from 10 top pet insurance companies, do due diligence, and rate each company.
1. We contracted Ella and asked her to do unbiased research, regardless of whether some insurance companies pay out more lucrative affiliate commissions than other companies.
2. Ella has no affiliate associations and does not get paid by any of the insurance companies mentioned.
3. At the time of writing (February 2022), we get no payments from any insurance company, nor any affiliate commissions. (However, at a later point we may sign up as an affiliate for some of the top insurance companies we have been reviewing. If we do, we will clearly state that on our website and in this blog post.) Because of that, this review should not be affected by biased commercial interests. Where else can you get an honest review like this?
2 Insurance Scenarios
Scenario 1: Wincent
Male Tibetan Mastiff • 8 Months • LA-
Accident & Illness
-
90% Reimbursement
-
$1.000 Deductible
Scenario 2: Maya
Female Tibetan Mastiff • 4 Years •FL-
Accident & Illness
-
90% Reimbursement
-
$1.000 Deductible
Scenario 1: Our writer ran 10 insurance quotes for Wincent, a male Tibetan Mastiff, 8 months old and living near Los Angeles. Each insurance quote covered Accident & Illness only, had 90% reimbursement, and a $1.000 deductible.
Scenario 2: Ran insurance quotes for Maya, a female Tibetan Mastiff, 4 years old and living near Jacksonville in Florida. Each insurance quote covered Accident & Illness only, had 90% reimbursement, and $1.000 deductible.
- She compared the 10 insurance companies according to these 5 review criteria:
5 Review Criteria
- Coverage shows how much each insurance covers and how much you get refunded. In this review, we let each insurance cover costs for accidents & illness only. This is one of the most common choices for dog owners.
- Reimbursement rate is set to 90% in most of our scenarios. This means that you get reimbursed 90% of the costs.
- Annual deductible shows how much you must pay in case of an emergency. For example, if your annual deductible is $1.000, your insurance pays for anything over that amount.
- Monthly fee indicates the monthly fee you pay to the insurance company.
- Customer satisfaction evaluates independent and UNBIASED online customer ratings on a 0-5 stars rating. (Ratings and testimonials on insurance companies’ and affiliate websites do NOT count, since we believe that they are biased.)
Overall Result: Pet Insurance Ranking And Prices
- The 1-10 ranking is based on coverage, reimbursement, annual deductible, monthly fee, and Verified customer ratings.
- Star votes are based on Verified customer ratings from Consumeraffairs and Trustpilot.
- Prices are quotes we obtained for Wincent vs. Maya (USD/month).
-
1. HealthyPaws $78 vs. 138Winner!
- 2. Embrace $68-85
2nd Place
- 3. Eusoh $17
3rd Place
- 4. PetsBest $36-60
4th Place
- 5. PetPlan $92-118
5th Place
- 6. Trupanion $138-271
6th Place
- 7. Prudentpet $130
7th Place
- 8. PawP
No Quotes For TMs
Excluded from review
- 9. Agria
No Quotes For TMs
Excluded from review
- 10. PetAssure
Only as employee benefit
Excluded from review
Top 3 Pet Insurance Winners
These were the top 3 picks by Ella, our independent review article writer. The rating is mainly based on our 5 review criteria coverage: reimbursement rate, annual deductible, and customer satisfaction in relation to the monthly fee.
1. HealthyPaws (Winner)
HealthyPaws high customer satisfaction and reasonable pricing in relation to reimbursement, annual deductible, and smooth payment processes made it a winner.
- HealthyPaws Top Selling Point: Coverage
Coverage for Accident & Illness in this scenario, but you have several alternatives. Generous and clear terms on what was covered. Reimbursement rate was set to 70% for Wincent and 90% for Maya, since we could not get a 90% reimbursement rate for Wincent. Annual deductible was $1.000 for Wincent and $500 for Maya, since we could not get a $1.000 deductible for Maya. Customer satisfaction was very high throughout several years. Monthly fee was $77.97 for Wincent and $137.19 for Maya. Observe the differences in reimbursement rate and annual deductible for Wincent vs. Maya; thus the hefty price differences between the dogs.
PROS
- Great customer rating overall
- Reasonable prices
- In most cases, Healthy Paws covers claims within two days
- Is simple and quick to submit a claim online
- Payouts, especially lifetime payouts, are not limited
- No per-incident deductible; only an annual deductible
CONS
- Annual premiums are expected to rise
- If you register your pet for the very first time and he is over the age of six, your coverage may well be limited
- Preventative and wellness care are not included
- The cost of the exam is not included
Wincent
Male TM • 8 Months • LA-
Accident & Illness
-
70% Reimbursement
-
$1.000 Deductible
Maya
Female TM • 4 Years • FL-
Accident & Illness
-
90% Reimbursement
-
$500 Deductible
Customer Feedback & Rating For HealthyPaws
We searched for unbiased customer feedback in forums and on platforms that were not owned and influenced by HealthyPaws. Below, you find some examples.
More About Healthy Paws Dog Insurances
- Healthy Paw’s staff has been selected to make the company an unusually animal-friendly business. The staff isn’t just trying to make a profit on you; they genuinely care about your dogs.
- According to customers, their employees are unusually kind, attentive, and continually working to enhance their programs and services to make them the best.
One Insurance Plan Only - Plain And Simple!
Healthy Paws, unlike many other pet insurance providers, offers only one plan. You won’t have to worry about making difficult choices or figuring out which option is best for your pet. The single plan is simple to comprehend, has enough coverage, and is reasonably priced. Only unexpected accidents and illnesses are covered by Healthy Paws insurance. Pre-existing conditions and wellness visits are not covered.
2. Embrace Dog Insurance (2nd Place)
Embrace’s top selling point is the low monthly fee in relation to coverage, reimbursement rate, annual deductible, and customer satisfaction. However, be sure to read the fine on Accident & Illness coverage. Find out more in our Embrace dog insurance review.
- Embrace Top Selling Point: Low Monthly Fees
Coverage for Accident & Illness in this scenario, but you have several alternatives. Relatively clear terms on what was covered. Reimbursement rate was set to 70% for Wincent and 90% for Maya, since we could not get a 90% reimbursement rate for Wincent. Annual deductible was $1.000 for Wincent and $500 for Maya, since we could not get a $1.000 deductible for Maya. Customer satisfaction was very high throughout several years. Monthly fee was $77.97 for Wincent and $137.19 for Maya. Observe the differences in reimbursement rate and annual deductible for Wincent vs. Maya; thus the hefty price differences between the dogs.
PROS
- Low price
- Clear terms
- Has been around for many years
- Injury, sickness, disease, accidents, and other miscellaneous vet needcovered under one comprehensive package
- Optional Wellness Rewards Plan to assist with the cost of routine care and additional specialized treatments
CONS
- The complete accident and sickness plan does not cover routine care, immunizations, or basic pup vet visits
- Only one basic type of policy accessible, which can be restrictive in some cases
Wincent
Male TM • 8 Months • LA-
Accident & Illness
-
90% Reimbursement
-
$1.000 Deductible
Maya
Female TM • 4 Years • FL-
Accident & Illness
-
90% Reimbursement
-
$1.000 Deductible
Customer Feedback & Rating For Embrace
To present as unbiased customer feedback as possible, we explored blogs and forums that were not affiliated with Embrace.
More About Embrace
- This insurance is available in as much as 50 states.
- Provides nose-to-tail coverage, which is a broad coverage plan that pays up to 90% of your dog’s unexpected vet expenses.
- Provides 1 form of insurance to provide policyholders with simplicity.
- If you want something a little more personalized, you can select coverage options based on your dog’s demands and the amount of money you wish to spend.
3. Eusoh (3rd place)
Eusoh is a community based alternative to traditional pet insurance. It consists of a health sharing plan that is community owned, where the community reimburses you for accident, illness, wellness, and routine care expenses. This allows for lower monthly fees but also makes you dependent on the good-will of your community. At times, this has caused low customer satisfaction rates. However, we believe that Eusoh offers a new and interesting way to cover your vet costs.
- Eusoh Top Selling Points: Low Monthly Fees & Community Owned
At Eusoh, you pay an initial $48 deposit and $17 monthly subscription fee. If you face vet expenses, you need to pay an annual $250 deductible until qualifying for reimbursements. After the deductible, you are responsible for paying 20% of your submitted expenses.
PROS
- Low Cost
- Can create your own cost sharing groups
- Reduced long-term costs
- No dog age restrictions
- Numerous wellness choices
- Injuries and surgeries covered
CONS
- Dependent on community for vet expenses
- Limited reimbursement amounts (often $8.500)
- High initial out-of-pocket vet expenses
- 30-day waiting period
- Pre-existing conditions not covered
Wincent
Male TM • 8 Months • LA-
Accident & Illness
-
90% Reimbursement
-
$1.000 Deductible
Maya
Female TM • 4 Years • FL-
Accident & Illness
-
90% Reimbursement
-
$1.000 Deductible
Customer Rating For Eusoh - Don't Get Fooled By The Low Ratings By Bloggers
An online search gives the impression of Eusoh having low customer ratings. However, the reason is that the major websites that review Eusoh do not get affiliate commissions (payment) from the company. Out of sheer greed they choose to give Eusoh low rating, so that you will pick their other reviewed insurance companies that give them commissions and good money (if you click their link and sign up).
It is all about the money. These big websites and bloggers want you to pick the companies that give them most money, rather than give you an honest review that actually helps you. At present date (Feb 2022) our insurance review article contains NO affiliate links and we get NO payment from any insurance companies.
More About Eusoh
Eusoh pet insurance provides coverage for a fraction of the price of standard pet insurance. This pet insurance firm allows members of the community to form groups and finance one another’s medical expenses, such as emergency care, surgery, or any other type of vet bill. It is indeed a community healthcare sharing plan that reimburses you for your pet’s veterinary expenditures, illness, injuries, and routine care.
Non-Standard Pet Insurance For TM Owners
- Rather than paying set premiums as with a standard pet insurance policy, dog owners simply pay for the actual cost of treatment in their community.
- Eusoh does not profit from refusing reimbursements/vet expenses because it does not keep any of the funds.
- Eusoh is popular among TM owners for a variety of reasons, including its low deductible, affordable flat membership fee, and wellness coverage options that help with vet expenditures.
Enrollment
- Unlike typical pet insurance, Eusoh does not have a complicated policy that needs to be read carefully.
- You will not be subjected to a large list of limitations.
- At the end of each month, the total expenses that are repaid are computed and split among the members of the group.
Dog Insurance Companies - Position 4 to 10
PetPlan Pet Insurance - Comprehensive Coverage
While Petplan isn’t the cheapest pet insurance option, its comprehensive coverage makes it a top choice for TM owners looking for a variety of treatment options for their dogs. Petplan has a single standard plan that covers both dogs and cats for illnesses and injuries.
- PROS
- Available in the USA as well as the UK
- Covers cutting-edge treatments like stem cell therapy, homeopathy, acupuncture, and telemedicine veterinarian visits
- Offers up to $1,000 in behavioral treatment coverage
- CONS
- No routine and preventive care add-on option
- 15-day waiting time for both illnesses and accidents, which is longer than the majority of competitors
While Petplan isn’t the cheapest pet insurance option, its comprehensive coverage makes it a top choice for TM owners looking for a variety of treatment options for their dogs. Petplan has a single standard plan that covers both dogs and cats for illnesses and injuries.
Petplan does not offer add-ons for wellness or preventative care, despite the fact that its basic plan is rather extensive. Nonetheless, its regular plan includes a one-of-a-kind wellness benefit of up to $1,000.
Cover For Immunization, Neutering, Or Spaying
- Reimbursement rates of 70%, 80%, or 90% are available.
- Annual deductibles of $250, $300, or $500
- Coverage caps can be $5,000, $15,000, or an infinite amount per year.
Trupanion - Complete Coverage
Complete Coverage But Expensive
Trupanion is ideal for Mastiff owners who want complete coverage at a reasonable price. The deductible ranges from $0 – $1,000, allowing fur parents to choose the amount that suits them best. Additionally, for owners of purebred dogs who are ready to pay a little more, Trupanion gives extra coverage for their breeding rider. Find out more in our Trupanion pet insurance review.
- PROS
- Customer service is available 24/7.
- Assistance animals and therapy pets are eligible for a discount.
- Deductibles can be set to any amount from $0 to $1,000.
- CONS
- Doesn't cover pets older than 13 years.
- New members must pay a one-time charge of $35.
- Plan prices are significantly higher than those of competitors.
Prudent Pet
Prudent Pet is a cat and dog insurance company that was founded by pet parents for pet parents. It has plans for accidents and diseases that can be customized, and also add-on coverage for preventative care & overall wellness. Prudent Pet hires representatives with a background in veterinary care and also provides a 24/7 veterinarian chat line so fur parents may obtain quick answers to some questions they may have on a daily basis.
- PROS
- All clients have access to a live veterinarian 24/7
- Money-back guarantee for 30 days
- No coverage denial due to pet's age or breed.
- Plans start at $5 per month.
- CONS
- Exotic pets are not covered.
- Preventive care is optional.
Agria Pet - Highly Customizable
- PROS
- Option for a 0% co-payment.
- Only lifelong pet insurance policies are available, providing the most comprehensive coverage for your pet.
- Helpline for veterinarians is available 24/7.
- Coverage for dogs, cats, and even rabbits is available.
- Claim submission over the internet.
- 97 percent of claims are paid.
- CONS
- A mandatory 20% co-payment is required for senior dogs.
- Some pets wouldn't be insured once they reach a particular age.
- When you acquire your quote online, you must submit a 10% co-payment.
Agria does have age restrictions on the dogs it insures. The maximum age restriction for pets varies based on their breed and type. If your dog was insured with Agria before reaching the maximum age restriction, it will continue to be covered for any previously claimed ailments for the rest of its life or for the policy’s remainder.
Bonus Review: Petco Insurance - 90% Coverage
- PROS
- Constantly get paid 90% for covered services
- Many conditions are covered
- Veterinarian is paid directly
- Waiting time is relatively short
- CONS
- Frustration arises from denied claims.
- There are no set wellness plans in place.
Get The Best Quotes At PetInsurer
- PROS
- Price comparison of various pet insurance providers
- Positive client feedbacks
- Quick and easy
- Helps you save money in just a click
- CONS
- If you have more than 1 pet, you have to enter their details separately
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