How Does Flea and Tick Coverage Work?
Most pet insurance coverage suppliers don’t cowl flea and tick prevention of their base plans. Insurers see preventive care as an anticipated month-to-month cost pet mother and father can plan for, moderately than an unpredictable expense they might need assistance protecting. However, many corporations provide preventive care add-ons for an additional month-to-month price. This contains flea and tick protection and different pet wants.
Though pet insurance coverage is much like human medical health insurance, the cost course of works in another way. Rather than solely paying your co-pay at checkout, you pay your full vet invoice, submit a declare and await reimbursement. Your supplier will reimburse you on your examination charges on the care protection price you chose throughout enrollment (usually between 70% and 90%) after you’ve met your deductible.
Add-on protection usually comes with an annual restrict. For instance, if you happen to select $450 of add-on protection, you’ll be reimbursed for as much as $450 price of preventive therapies that yr. Individual therapies typically have annual caps and exclusions as effectively.
Which Companies Cover Fleas and Ticks?
Some pet insurance coverage corporations that reimburse prescription remedy may also reimburse prescribed flea and tick therapy. However, every firm works in another way. We’ve researched a few of the prime pet insurance coverage suppliers and outlined their protection choices beneath.
Lemonade Flea and Tick Coverage
Lemonade’s base pet insurance coverage coverage covers diagnostics, procedures and drugs. This contains blood checks, hospitalization, surgical procedures and prescription drugs. However, preventive drugs aren’t coated.
You can add flea/tick remedy protection by buying Lemonade’s Preventative+ Package, which features a wellness examination, fecal or inside parasite take a look at, three vaccines, heartworm or feline leukemia virus (FeLV) take a look at, blood take a look at and routine dental cleanings. This prices a further $20 to $27 per thirty days for dogs and $15 to $22 for cats. Depending in your chosen reimbursement price, you may obtain $55 to $75 reimbursement for flea, tick or heartworm remedy per yr.
To study extra: Lemonade Pet Insurance overview
Spot Flea and Tick Coverage
Spot’s customary sickness coverage doesn’t cowl preventive care, together with flea/tick remedy. You can add this protection by buying the corporate’s Gold or Platinum Preventive Care add-on.
The Gold plan prices a further $9.95 per thirty days and features a dental cleansing, wellness examination, blood take a look at, urinalysis, deworming, flea/heartworm prevention and vaccinations. It has numerous per-treatment limits at an annual cap of $250. The Platinum plan prices $24.95 per thirty days and contains every little thing within the Gold plan however with greater per-treatment limits, totaling $450 of protection per yr. It additionally contains spay/neuter protection.
To study extra: Spot Pet Insurance overview
Embrace Flea and Tick Coverage
Embrace gives preventive care as an add-on beneath its Wellness Rewards bundle. You can select $250, $450 or $650 of annual protection for preventive care together with flea/tick/heartworm prevention, routine vet visits, microchipping, vaccinations and extra. The plan prices $18 to $53 per thirty days relying in your chosen annual restrict.
Embrace’s wellness plan is extra complete than different suppliers on this listing. It covers issues reminiscent of grooming, medicated shampoo and wearable pet exercise displays plus various therapies reminiscent of chiropractic care, therapeutic massage remedy, reiki and acupuncture. The Wellness Rewards plan is just not available in Rhode Island.
To study extra: Embrace Pet Insurance overview
ASPCA Pet Flea and Tick Coverage
ASPCA gives two wellness add-ons with various ranges of protection. Both plans cowl flea/tick prevention. The Basic plan prices $9.95 per thirty days and contains $250 of annual protection for providers reminiscent of a wellness examination, dental cleansing, heartworm take a look at, fecal take a look at, deworming and vaccinations. The Prime plan prices $24.95 per thirty days and contains $450 of annual protection for every little thing within the Basic plan plus a blood take a look at, urinalysis, extra vaccines and extra.
To study extra: ASPCA Pet Insurance overview
Pets Best Flea and Tick Coverage
Pets Best offers two preventive care add-ons protecting flea and tick prevention. The ImportantWellness plan prices an additional $16 per thirty days and offers $305 per yr for providers together with a wellness examination, enamel cleansing, vaccinations and microchipping.
The BestWellness plan covers every little thing within the ImportantWellness plan however at a better annual restrict of $535. It prices a further $26 per thirty days. Flea/tick prevention is capped at $50 per yr for the ImportantWellness plan and $65 per yr for the BestWellness plan.
To study extra: Pets Best Pet Insurance overview
Flea and tick prevention prices a mean of $40 to $200 per yr relying in your sort of pet, it’s dimension and chosen therapy. Shampoo or spray for a big canine, for instance, will cost extra per yr than oral tablets. A pet insurance coverage plan with flea/tick protection will reimburse all or most of those prices along with different preventive providers reminiscent of wellness exams, dental cleanings and vaccinations.
Here’s a breakdown of how a lot pet insurance coverage prices per thirty days plus the cost of a wellness add-on for flea/tick care plan.
*These prices are based mostly on quotes we obtained for a 4-year-old, medium-sized, mixed-breed canine in Houston, Texas.
Are Fleas and Ticks Common for Dogs?
Unfortunately, fleas and ticks are a typical drawback for dogs. Though these pests are energetic all year long, they’re most modern throughout hotter months, particularly in sizzling, humid climates.
Fleas and ticks may cause quite a few well being issues on your furry companion. In addition to inflicting sores and itchy pores and skin, they’ll carry blood-borne sicknesses and ailments that may result in critical issues. The finest approach to shield your canine is thru prevention. Give your canine oral or topical drugs and brush and bathe them recurrently. Check them for ticks and fleas in the event that they’ve been enjoying exterior.
Are Fleas and Ticks Common for Cats?
Fleas are extraordinarily frequent in cats. Just as with dogs, fleas can irritate your cat’s pores and skin and infect it with sickness and illness. Comb your cat recurrently and use shampoos and topical therapies.
Ticks are a lot much less frequent in cats, however can nonetheless pose a menace. Check your cat’s fur recurrently and discuss to your vet about preventive remedy, particularly in case your cat likes to roam outdoor.
The Bottom Line: Does Pet Insurance Cover Fleas and Ticks?
Most pet insurance coverage suppliers don’t cowl fleas and ticks of their customary plans. However, many corporations provide wellness add-ons that embrace this care plan. Enrolling in a pet insurance coverage plan is a good way to offer peace of thoughts that your pet will obtain mandatory care with out having to fret about funds. Adding routine care and sickness protection could make you’re feeling much more comfy.
