Safeco Pet Insurance Reviews

It's easy to get a Safeco pet insurance quote:

The average price of a standard Safeco Pet Insurance Reviews policy for cats or dogs ranges from $9.97 to $58.67 per month based on; your pet's age, breed, zip code, coverage limits, deductibles, co-pays, claims history and more.

Buying insurance for a dog is generally more expensive than a cat. Mixed breed animals are the cheapest to insure, but larger animals with a lineage that's unclear may cost a lot of money. Since the medical bills rise with the size of the animal, you are paying more for larger animals on average.

Purebreds are confusing because some breeds are more expensive to insure due to their genetic propensity to certain conditions. Also, they may have risky behaviors like swallowing unknown objects.

Generally, pet insurers will advise that you take out insurance as soon as possible. Usually, when your pet is a pup or kitten because that's when you get the lowest premiums.

However, the Safeco pet insurance premiums will steadily rise as your pet ages, eventually costing ten times as much when they are old compared to when they were puppies or kittens.

One of the reasons why the premiums for young animals or pets are lower is because of the lower risk associated with insuring them. Older animals may have to undergo expensive treatment like cancer or heart disease.

If you wait too long to get your pet insured, it will have consequences. The earlier you begin insuring your pet, the lower the likelihood of it developing a serious condition. Safeco pet insurance reviews are above average.

Medical issues from cruciate ligament problems to kidney issues and diabetes could lead to your pet being denied treatment because of the waiting period, which can vary depending on the condition. Insurance early on means you have the ability to tackle issues when they are minor without financial consequences.

Well, for starters, Safeco pet insurance reviews are good. Their policies are a lot like human health insurance. The policy will mainly cover the pet's medical bills but minus any deductible amount. As a pet owner, you choose the deductible. Also, you need to pay down before being reimbursed.

Furthermore, veterinary bills from hospitals and doctors are reimbursed at the rate chosen by the pet owner. Still, there could be a limit on reimbursements a year throughout an animal's lifetime.

Also, any pre-existing conditions the animal had when the policy was applied for aren't covered.

Furthermore, there may be a waiting period before the policy kicks in, during which all conditions are not eligible for coverage if the need for treatment arises.

Unlike regular human insurance, Safeco pet insurance requires that you pay for treatment first and then wait to be reimbursed by the insurer. That's because all vets and animal hospitals are "out of network."

Finally, like any other type of insurance, you will also want to choose whether you pay the premiums for your pet insurance annually or monthly. Again this boils down to what works best for your finances and if the insurer offers a discount on annual payments versus monthly payments.

According to the Safeco pet insurance website: "you'll be able to choose from a range of different annual limits, deductibles, and reimbursement percentages. You'll also have the freedom to choose any licensed veterinarian, specialist, or emergency clinic. And there's no waiting period for Preventive Care coverage if you've added it to your plan.

As long as your cat or dog is at least eight weeks old, your pet is eligible to be enrolled in the Hartville Pet Insurance Program, whether or not you are a Safeco policyholder. The policies under the Program cover a wide variety of medical expenses, including:

• Accidents/injury
• Alternative therapies
• Dental illnesses
• Emergency pet visits
• Hospitalization
• Illness
• Surgery

The optional preventive care add-on covers benefits including:

• Annual physicals
• Flea prevention
• Vaccinations

Coverage available for accidents and illness with the option of adding preventive care coverage at an additional cost.

• Annual coverage limit options including $2,500, $5,000, $10,000, or $15,000.
• Annual deductible options of $100, $250, or $500.
• Reimbursement options of 70%, 80%, or 90% of eligible charges. Discounts are available for multiple pets.
• Add Preventive Care coverage to your policy for dental cleanings, wellness exams, heartworm tests, DHLPP vaccines, and more.
• Add Preventive Care coverage to your policy for dental cleanings, wellness exams, heartworm tests, DHLPP vaccines, and more.

So Safeco pet insurance reviews are favorable. That being stated, generally speaking there are two major types of pet insurance plans:

1. Accident-Only Plan - A few insurers offer this plan, but it is also the most affordable option sold. Similar to what it suggests, it will only cover injuries, like cuts, broken bones, and ingesting toxic objects by accident.
2. Comprehensive Plans - Cover both illness and accidents, which happen to be the most popular. Also referred to as an A&I policy, it covers major diseases like diabetes, arthritis, congenital conditions, and prescription food.

That said, the companies will often differ in how and if they will cover a range of various conditions like the need for dental care and dog therapy.

A couple of insurance companies have modest coverage against the loss or theft of a pet. However, pet life insurance is seen as a different policy or a separate one. You can add a wellness rider, which can be coupled with a comprehensive plan or an accident plan.

The wellness coverage will pay for routine check-ups and preventive care. In addition, it may cover tick and flea medication. However, many pet owners decide to forgo the coverage because it adds to the premium, and so they don't see the value it offers.

But if you factor in routine, annual vet costs at an average of $250 for dogs and around $180 for cats, it is a saving while ensuring that it is possible to catch early signs of major illnesses.

Similar to getting health insurance for humans, pet owners can also choose how many health issues they want their pet insured against. In addition, they can choose the size of the deductible and reimbursement proportion that works best for them.

Following are some Safeco pet insurance reviews online:

Better Business Bureau

The Better Business Bureau says Safeco offers: Car Insurance, Motorcycle Insurance, Personal Liability Protection, Homeowners Insurance, Renters Insurance, Condominium Insurance, Flood Insurance, Pet Insurance Identity Fraud Expense Coverage & Life Insurance.

Overall the BBB rates Safeco A+. It does reference that Liberty Mutual is the parent company.