Pet parents that seek out insurance for their dogs or cats know that even though their pet may be healthy today, emergencies can strike at any time. Such incidents are stressful and expensive, but the right Alaska pet insurance can alleviate much of the financial burden. Below we review the leading pet insurance companies for Alaska residents so that you can determine the best care option for your dog or cat.
5 Top Dog & Cat Insurance Companies Compared for Alaska
Why it’s great: Wagmo is known for having several wellness plans you can add to your policy and super quick reimbursements via direct deposit, PayPal or Venmo. Better yet, they will reimburse up to 100% of veterinary bills for the remainder of the year after you’ve met your deductible. With extra discounts for multiple pets, renewals without claims in the previous, and freedom of choice when it comes to veterinarians, there is a lot pet owners will appreciate about Wagmo.
Keep in mind: Wagmo has a maximum lifetime payout of $100,000. Once this limit is reached, coverage will cease.
Good for: Pet parents who want a solid wellness and care coverage balance.
Average price for DOGS in Alaska: $36/month
Average price for CATS in Alaska: $36/month
(Best for cats)
Why it’s great: Figo understands that pets have emergencies at all times of day, which is why they provide their customers with live, 24/7 veterinary support via their mobile app. They also have a selection of wellness packages you can add to your policy, including one that covers up to $250 of prescription food should your cat or dog need it at any time. What’s more, they have unlimited lifetime benefits, meaning your pet will remain eligible for coverage regardless of how expensive their care becomes over the years. And if that were not enough, Figo has the most competitive monthly premiums for cats.
Keep in mind: Figo does not cover pre-existing conditions.
Good for: Cat parents and pet owners who want coverage for 24/7 support from a veterinarian.
Average price for DOGS in Alaska: $28.57/month
Average price for CATS in Alaska: $14.42/month
(Best for pre-existing conditions)
Why it’s great: For only $24 per month, Pawp will protect up to 6 of your pets of any breed, age or health condition under an emergency fund. As a bonus, you will also get 24/7 telehealth services along with pet expert consultations. Pawp tries to keep things as simple as possible, which is why there are no copays, deductibles or credit checks. Pet parents will love leaving the veterinary clinic with their bills fully paid, thereby eliminating the claims process hassle.
Keep in mind: Pawp only covers true emergencies as determined by their
virtual team of vets. Also, their emergency fund will only cover one of your pets for a single vet bill under $3,000 each year.
Good for: Pets with pre-existing conditions or those of an older age. It is also an excellent choice for those looking to supplement their more conventional insurance policy.
Price: $24/ month
(Best established brand)
Why it’s great: With unlimited lifetime benefit payouts and multiple pet discounts, it is no wonder Embrace has established itself as a prominent pet insurance brand. They also offer “diminishing deductibles,” which means a customer’s deductible is automatically reduced by $50 upon renewal if they have not had any claims reimbursed in the year prior. Another facet that pet parents value is their wellness plan, which covers alternative veterinary treatments, including acupuncture, chiropractic, massage therapy and reiki.
Keep in mind: The wellness package’s maximum combined claims total is
$650 per year, equaling approximately $25 in annual savings. They do not give refunds of unused funds of wellness plans each year.
Good for: Pet parents value new age, alternative veterinary care.
Average price for DOGS in Alaska: $37.32/month
Average price for CATS in Alaska: $21.79/month
(Best pet healthshare community)
Why it’s great: Eusoh is not a pet insurance company but an “expense sharing community” that offers community pet health plans. They pride themselves on saving their members more than 50% compared to policies from conventional pet insurance companies. What’s more, Eusoh allows reimbursement for your pet’s accident, illness, wellness or routine care expenses. Become a member of the Eusoh community, and you will get telehealth services with licensed veterinarians via their partner FirstVet along with the freedom to choose which vet your cat or dog sees.
Keep in mind: Eusoh is not an insurance company. Their highest maximum reimbursement per year is $8,500, and their highest reimbursement rate sits at 80%.
Good for: Pet parents that prefer healthshare communities.
Average price for DOGS in Alaska: $62.58/month
Average price for CATS in Alaska: $40.94/month
FAQs About Pet Insurance in Alaska
1. What does pet insurance typically cover for dogs and cats?
While no companies’ coverage is the same, most typically cover sudden and catastrophic ailments and accidents. Procedures and care that tend to be reimbursed for are exams, tests, other diagnostics, emergency care, surgery and medication.
2. How much does pet insurance cost in Alaska?
Pet insurance in Alaska costs anywhere from $13.04 to $39.38 per month for dogs (based on prices for a healthy 2-year-old located in the 99505 zip code). And anywhere from $12.19 to $16.57 per month for cats (based on prices for a healthy 2-year-old located in the 99505 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.
We recommend getting a quote from Wagmo who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.
3. Can I cancel my dog or cat insurance plan after I make a claim?
You can cancel your policy at any time, but be sure to follow the protocol as set out by your provider. Many pet insurance companies require you to notify them in writing. It is worth noting that any conditions that are diagnosed in your dog or cat before canceling will most likely be excluded from coverage and listed as a pre-existing condition should you wish to get insurance in the future.
4. Do Alaska pet insurance companies cover spaying and neutering?
Most pet insurance companies do not cover spaying or neutering. However, some providers, such as Embrace , have wellness plans you can add to your policy to cover the costs.
5. Does the cost of insurance increase as my pet ages?
Monthly premiums will increase as your pet ages, especially once they reach 4 or 5 years old. Pet insurance companies raise premiums to help make up for the elevated risk of your pet getting ill more frequently with age.
6. Which companies cover pre-existing conditions?
Pawp is the best for covering pre-existing conditions, especially emergency-related ones, and Embrace sometimes covers those conditions deemed curable. We encourage pet parents to speak with their preferred providers for further details. Coverage for pre-existing conditions is uncommon, but the good news is that your pet’s medical history will not make them ineligible for insurance.
7. Is pet insurance worth it in Alaska?
Pet insurance is beneficial in Alaska since most animals will experience veterinary emergencies in their lifetimes. With the exorbitant costs of urgent care, pet insurance is a crucial way of helping pet parents afford the treatments and procedures their cats or dogs need.
We hope this article has helped narrow your search for the best pet insurance provider for your beloved dog or cat. We encourage you to take the time to review the offerings of your preferred insurance companies in more detail before you get a policy put in place. Purchasing the right Alaska pet insurance coverage will give your best pal the protection they need when it comes to emergency and preventative care, helping them to maintain robust health throughout their lives.
In our experience, after careful review, we’ve consistently seen Wagmo has the best combination of coverage and price.
Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 99516 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:
- Wagmo = $20,000
- Figo = $5,000
- Pawp = $3,000
- Embrace = $5,000
- Eusoh = $8,500