Top 10 Free Pet Insurance for Low Income Families

Every pet owner should consider getting something like free pet insurance for low income families from charitable organizations. If your monthly income can spare some for the needs of your pet, then you should look for the most affordable pet insurance plan available.

free pet insurance for low income families

Enrolling your four-legged friend in a pet insurance policy will guarantee financial security and peace of mind to you, as you have nothing to worry about in case your pet gets sick or injured. The pet insurance policy you get for your beloved dog or cat will help cover the total cost of the bills that can add up when the veterinarian detects a chronic condition such as cancer or an injury such as a fractured leg in your pet.

Free Pet Insurance for Low Income Families

Find a pet insurance policy that offers flexible payment options and any other way of making the monthly cost match your budget. Here are the top 10 pet insurance plans choices for low-income families:

Petplan Pet Insurance





This pet insurance firm was originally established in the late 1970s in the United Kingdom before its launch as Petplan Pet Insurance in the United States in 2003. Its office is in Philadelphia and underwriting by the XL Specialty Insurance Company. This pet insurance policy is committed to putting your pet as a priority and ensuring it lives longer and stays healthier for years.

Petplan is alike free pet insurance for low income families because it offers complete pet health coverage. Also, you can take your claims in no time with its waiting period that is somewhat shorter compared to that of other pet insurance plans. Making claims is also fast and easy as you can do it by using the Petplan mobile app.

This pet insurance cares for pet owners and pets in need of help. The insurance firm makes regular donations to needy pets and pet owners. On the other hand, Petplan requires the pets to see a veterinarian in case of injury or illness in 48 hours. Also, pet owners should never forget to bring their pets for vet recomended annual dental and health checkups because these are necessary for coverage. Despite that, you will get 24-hour support and expert advice from Petplan.

Figo Pet Insurance

The corporate office of Figo Pet Insurance is in the city of Chicago. Since 2012, the company’s team pursued to offer quality service and good insurance plans with their combined passions for the latest technology and healthy pets. The top-notch Markel American Insurance Company underwrites Figo Pet Insurance. Thus, you must be 100% confident that all the firms will cover all your claims, despite the truth that Figo is new in this industry.

Almost every Figo insurance plan comes with a 30-day guarantee with a Free Look period and 24-hour access to the registered veterinarians. Also, this pet insurance guarantees vet exam reimbursement and unlimited coverage for the stolen and lost pets. If you are searching for a pet insurance company equipped with the latest technology to keep your cat or dog healthier and happier, you might be looking for Figo.

On the other hand, this pet insurance does not give 24-hour customer support, which might be a big deal especially to first-time pet owners and those who never applied for a pet insurance policy before. Another thing that leaves people uncertain is the lack of experience of Figo since the company is newer to the industry compared to most pet insurance providers.

ASPCA Pet Insurance

Established in 1997, Crum & Forster is the 2nd oldest pet insurance firm in the US. In 2006, this company decided to be in partnership with the American Society for the Prevention of Cruelty to Animals to create ASPCA Pet Health Insurance. Since that time, this company has been on the mission to help in keeping pets happy and healthy while providing their owners peace of mind and financial security.

With ASPCA, you can visit any veterinary clinic in Canada and the United States. Also, every plan comes with a 30-day money-back guarantee for your peace of mind. There is optional wellness coverage for pets, too. The company even guarantees a quick and user-friendly sign-up process.

On the other hand, the company is typically making changes to its policy. The problem is that those changes made to the policy can be difficult and confusing to follow. Also, some policyholders out there reported experiencing a long claims process.

Despite these things, ASPCA is one kind of free pet insurance for low income families provider. Because every plan offers the best coverage at an affordable rate. Also, seeking help in case you have a question about enrolling your pet, making a claim, or renewing your policy, getting in touch with the ASPCA should not be a problem since the company has a friendly customer support group.

Healthy Paws Pet Insurance

Healthy Paws Pet Insurance and Foundation has been giving good pet insurance policies since its inception in 2009. It started at the time the director of an animal shelter and the executive of an insurance firm decided to join forces to pursue their passions.

This collaboration resulted in the launch of a pet insurance firm that is taking pride in donating a part of their proceeds to homeless animals. Located in Washington, the Chubb Group underwrites the Healthy Paws Pet Insurance. The Chubb Group is a recognized and top-rated insurer from New Jersey.

With limitless benefits for the effectivity period of your pet insurance policy, Healthy Paws Pet Insurance guarantees no caps on any type of coverage and excellent customer service. This pet insurance guarantees annual versus per-incident deductible, easy claims online submission, and direct vet payment options for pets in Canada and the United States.

On the other hand, Healthy Paws does not provide pet insurance that covers wellness plan choice. Besides, it also implements a 12-month waiting period for hip dysplasia.

PetFirst Pet Insurance

PetFirst was established in 2004 in Indiana. The company’s mission is to provide coverage for cats and dogs with injury and disease. Pet owners can avail of this pet insurance policy anywhere in the United States. For more than 14 years, PetFirst has been helped thousands of US citizens in keeping pets healthy and happy with comprehensive pet health insurance plans.

The company is consistently working to enhance the experience it offers to all pet owners and their four-legged friends. More and more policyholders turn to PetFirst because it provides optional routine pet care coverage, comprehensive coverage for holistic therapies, no age limit for pet enrollments, and flexible compensation rates.

On account of this, many pet owners called this PetFirst cheap pet insurance that covers everything. However, PetFirst does not provide an unlimited yearly benefit option and slower claims compensation occurs in other cases.

Good thing, this pet insurance plan allows the policyholders to customize their pet insurance policies. Also, it guarantees short and quick waiting periods and in-depth pet health insurance policy coverage. To know if PetFirst is the right pet insurance plan for your pet, don’t hesitate to try the policy risk-free for two weeks.

Nationwide Pet Insurance

Nationwide is a Fortune 100 firm and one of the leading pet insurance providers in the United States. The company started to offer pet insurance plans after introducing it to the public in 1982. Nationwide Pet Insurance is formerly VPI and underwritten by the National Casualty Company. This insurance firm has been helping the policyholders in keeping their pets healthier and happier for decades.

Nationwide provides healthcare coverage for cats, dogs, birds, and exotic animals. Nationwide has the pet insurance plan that can suit the specific needs of every pet parent. The advantages of Nationwide from other insurance plans available are that it comes with highly regarded insurance experts, unlimited claims for most plans, real-time tracking using the mobile app, and multiple partner discounts which will benefit especially the low-income families.

However, Nationwide just provides yearly per-condition benefits. Also, coverage is not available in each state. Though there are few coverage limitations with its cost-effective insurance plans, Nationwide can offer several awesome benefits for pet owners. These include quick access to registered veterinarians through their pet helpline. That would be a big benefit particularly for the pet-owners from low-income families in the US.

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Pets Best Pet Insurance

This pet insurance plan lets you add preventative care for the pet to any policy. The coverage is available for pet owners living in Puerto Rico, Canada, and the United States. Established in 2005, the Pets Best Insurance Services was the idea of a veterinarian who initially introduced pet insurance to Americans in 1981.

This insurance company has its corporate office in Idaho that consists of a group of veterinary experts and pet lovers, the APIC or American Pet Insurance Company underwrites the Pets Best.

The company aims to change the entire pet insurance industry for the better while helping American pet owners to avail the of life-saving veterinary care for their pets. The best thing about Pets Best is that there are enrollment or payout age limits on any insurance plan. It also gives access to the 24-hour expert pet care helpline.

Aside from that, this pet insurance plan comes with a 30-day money-back guarantee that you can avail of if you are not happy with the coverage. There is no age limit on the enrollments and policy renewals. However, Pets Best does not come with coverage for alternative or holistic therapies. Besides, the premiums may go up when renewing the policy.

Embrace Pet Insurance

People with a strong passion for animal healthcare founded Embrace Pet Insurance in 2003. This company is headquartered in Ohio and underwritten by the American Modern Home Insurance Company. the company’s ultimate mission is to help cats and dogs live healthier and happier lives with comprehensive pet insurance coverage.

Embrace Pet Insurance covers alternative therapy and examinations. Multiple partner discounts are also available coupled with the 24/7 expert advice with the whiskerDocs. Unfortunately, this pet insurance provider does not provide an unlimited yearly claims option. Also, the company charges a $25 enrollment fee for the new pets.

On the bright side, Embrace Pet Insurance gives you coverage against breed-specific conditions. You can also enroll your senior pet without having any reason to worry about them. This pet insurance company also provides optional wellness plans to aid in keeping pets healthy, which is less likely available from other pet insurance companies of today.

Also, you will benefit a lot from the short waiting period when you enroll in a pet. You may even enjoy the flexible compensation rates offered. So, you may personalize your pet insurance policy now with Embrace and gain 24/7 access to veterinarians for expert advice.

Pet Assure Pet Insurance

Pet Assure is one of the well-established and reputable names in the entire pet insurance industry. Established in 1995, this pet insurance company is a veterinary discount insurance plan which covers dogs, cats, and other kinds of animals. There are no exclusions to the forms of services covered. Also, there are no yearly limits. To gain a 25% discount, you just need to use one of the in-network veterinary service providers allied with Pet Assure.

If you’re on the fence regarding buying a pet insurance policy but want to realize the savings on the healthcare plan of your pet, this pet insurance plan can be the best option for your demands. Pet Assure offers four plans to choose from: single dog, single cat, family (which covers 2 to 4 animals of all sizes), and unlimited.

If you are looking for free pet insurance for low income families that come from a trustworthy provider, you may want to consider the offerings of Pet Assure. This insurance firm offers a variety of plans to select from, allowing you to get the policy that meets the needs of your pets and your expectations. If you have questions, you can always consult their friendly customer service agents.

Trupanion Pet Insurance

The last but never the least in this list is the Trupanion. This pet insurance firm caters to those pet owners with purebred cats and dogs. The rates begin at around $30 up to $40. So it can be called free pet insurance for low income families. The rates may also vary by species, breed, age, location, and gender.

You can apply for this insurance plan for newborn kittens and puppies. Their eligibility will end at 14 years. Trupanion is underwritten by the American Pet Insurance Company.

The best thing about Trupanion is that you don’t need to wait for reimbursements. There is an award-winning customer care group that is always available when you need assistance. Also, Trupanion will require you to pay for a deductible just when your cat or dog develops another health condition.

However, you can’t just bring your pet to any veterinary clinic. If you go for this insurance plan, you must look for a veterinarian with Trupanion’s app.

On top of that, Trupanion offers a great deal to all pet owners who might be looking for a pet insurance plan reserved for purebred cats and dogs. If you have questions, seeking help from the company’s customer care team is so easy and convenient.