Dogs and cats may have a stronger sense of smell than humans, but their eyes are just as important. Eye health is a critical concern in our pets and contributes to a happy and healthy life. Cataracts are a common condition that can impact your pet’s eye health, obscuring its vision and eventually leading to blindness. If you have a dog or cat with cataracts, whether from hereditary causes or injury, you may need to spring for surgery to correct your pet’s vision. While it may be necessary, that doesn’t make it any easier on your wallet. Fortunately, several pet insurance companies will fully or partially cover cataract surgery, but it’s important to understand the policies of each insurance provider. Here are our reviews for the best pet insurance companies for cataract surgery.
A Quick Comparison of Our Winners for 2024
Rating | Image | Product | Details | |
---|---|---|---|---|
Best Overall ![]() | Trupanion | Click to Get Quote | ||
Best Value ![]() | Lemonade | Click to Get Quote | ||
![]() | MetLife | Click to Get Quote | ||
Wagmo | Click to Get Quote | |||
Spot | Click to Get Quote |
The 7 Best Pet Insurance Providers for Cataract Surgery
1. Trupanion – Best Overall
- Flexible coverage options
- Coverage for cataract surgery with congenital conditions
- No coverage for disease- or injury-related cataracts
- Add-ons can be expensive
2. Lemonade – Best Value
- Inexpensive monthly premium
- 80% reimbursement for cataract surgery
- Add-on options
- Not available everywhere
- No dental or mental health coverage
3. MetLife
MetLife is a trusted insurance company that offers plans for pet owners. Because MetLife encompasses a range of different insurance types, the costs for pet coverage are some of the most affordable on the market. Policies start at $9, and you have the option to choose different plans and add-ons according to your budget. For cataract surgery, MetLife covers about 80% of the surgery cost, or up to $2,000. The average cost of cataract surgery is $2,000 to $4,000, so you can count on a significant portion of your bill covered. As a trusted insurer, MetLife provides peace of mind that you have a reliable company behind you, though there is always the possibility that the new ownership can lead to big changes in their pet insurance policies moving forward.
- Affordable monthly premium
- 80% reimbursement for cataract surgery
- Customization
- Possible changes under new ownership
4. Wagmo
Wagmo pet insurance is an affordable option for pet insurance that offers different options for your plan and level of care. The wellness plans start at $20 per month and pet insurance plans start at $13 per month, but the premium depends on your location, pet’s age, breed, and preferences. You have the option to mix and match to build your ideal insurance coverage. This pet insurance covers unexpected injuries and illnesses and their treatment, including cataract surgery. It also covers congenital or hereditary conditions, such as inherited cataracts. Like other insurance plans, Wagmo does not cover pre-existing conditions, so you may not get coverage for your dog or cat if the cataracts are caused by disease or injury and already present when you get the plan.
- Affordable
- High customization options
- Coverage for injury, illness, and congenital conditions
- No coverage for pre-existing conditions
5. Spot
- Customization options and add-ons
- Alternative and behavioral coverage options
- Coverage for cataracts surgery
- No coverage for pre-existing conditions
6. Nationwide
- Several coverage options
- Affordable rates
- Cataract surgery is covered at all levels
- You must be a policyholder for at least six months for coverage
- The vet must be Nationwide-approved for coverage
7. Progressive
- Trusted insurance brand
- Several coverage options
- Cataract surgery is covered for accident and illness
- No coverage for cataracts with some plans
- No add-ons for non-essential needs
![divider-multiprint](https://pangovet.com/wp-content/uploads/2024/06/pets-2-1.png)
Buyer’s Guide: How to Choose the Best Pet Insurance Provider for Cataract Surgery
What to Look for in Pet Insurance for Cataract Surgery
Pet insurance companies offer a lot of coverage for pets, but each may have specific stipulations for conditions like cataracts. Depending on whether your dog or cat’s cataracts are caused by a congenital condition, an injury, or an illness, you have to be mindful of what plan you choose to ensure that cataract surgery is covered.
Policy Coverage
Insurance companies have different policy options, so you may need to investigate your coverage options to see if cataract surgery would be covered. Comprehensive coverage is more expensive, but it covers a wider range of unexpected and expensive issues that could arise over your pet’s life. If you have doubts, ask about the coverage for specific conditions.
Customer Service & Reputation
Customer service and reputation are vital with your insurance provider. The best policy won’t be worth much if you run into a problem and can’t get the help you need from customer service representatives. Consider the company’s reputation for taking care of its customers when making your decision and read a lot of reviews, including the negative ones. These reviews will give you an idea of what kind of help you’ll get if the worst happens.
![a woman explaining an insurance document to a couple](https://pangovet.com/wp-content/uploads/2024/06/a-woman-explaining-an-insurance-document-to-a-couple_MikhailNilov_Pexels.jpg)
Claim Repayment
Claim repayment should be a quick and easy process. All of the companies listed on this review have great reputations and reimburse customers quickly. Remember, cataracts surgery is expensive, so you’ll want to know you have those costs reimbursed to avoid being short on funds.
Price of Policy
Price can vary according to the coverage you choose and factors like your pet’s type, breed, age, and health conditions. Some companies give you more customization options with different deductibles or reimbursement levels so you can reduce your monthly premium. Make sure you consider all your options and budget.
Plan Customization
Most pet insurance companies offer different plan tiers or levels, add-ons, reimbursement, deductibles, and more. Some plans offer value-added features like pet boarding, preventative care, travel insurance, and more. Premiums can get pricey quickly if you opt for all the add-ons, but it may be worth it for your situation. The most important thing is getting major accidents and injuries covered, then adjust as you need.
![a woman using a laptop with a beagle dog on her lap](https://pangovet.com/wp-content/uploads/2024/06/a-woman-using-a-laptop-with-a-beagle-dog-on-her-lap_KampusProduction_Pexels.jpg)
FAQ
Can I Get Pet Insurance Outside the U.S.?
It depends on the provider. Some insurance companies cover pets in Canada and U.S. territories. Others offer coverage for pets traveling internationally.
What If My Insurance Company Is Not Listed in Your Reviews?
Our list of reviews strives to cover the best pet insurance companies according to customer reviews and the options for cataract surgery. Other insurance companies may cover cataract surgery as well, so be sure to ask your insurance company about what’s covered under your policy.
Which Pet Insurance Provider Has the Best Consumer Reviews?
With coverage for cataract surgery, Trupanion is our top pick and has good customer reviews. The factors that contribute to the best customer reviews can vary, however.
What Is the Best And Most Affordable Pet Insurance?
For cataract surgery and overall pet coverage, our best overall is Trupanion. Some insurance companies offer different coverage options and add-ons, however, so you may find a more suitable insurance company for your specific needs.
![Pet Insurance Care Guarantee Concept](https://pangovet.com/wp-content/uploads/2024/06/Pet-Insurance-Care-Guarantee-Concept_Rawpixel.com_Shutterstock-e1658856650146.jpg)
What the Users Say
Trupanion has good customer reviews overall. This is what some customers had to say:
- “Trupanion was a lifesaver. When both my dogs had some serious medical issues at the same time, I had over $10,000 in vet bills—Trupanion paid most of it.” – Consumer Affairs
- “Thank you, Trupanion. You are helping me give my dog the care she deserves!” – Consumer Affairs
- “I have been with Trupanion for seven years. Over that time, I have paid over 15 thousand in premiums for two dogs. I have attempted three claims that my vet said should be legitimately covered. They have not paid, even with the latest clear-cut dental surgery.” – Consumer Affairs
Which Pet Insurance Provider Is Best for Cataract Surgery?
The seven pet insurance providers on this list offer some form of coverage for cataract surgery. Before you sign up for a policy, consider the costs, coverage options, reimbursement amounts, and any other add-ons you may want. And remember that cataract surgery may or may not be covered depending on its cause, so be sure you consider this when choosing your insurance company. Pre-existing conditions aren’t covered by any insurance companies, but some cover certain pre-existing conditions under certain circumstances. If the cataracts are congenital, you may be able to get coverage with some companies.
Conclusion
Cataract surgery is an expensive and often necessary surgery for cats and dogs to have a good quality of life. If you’re concerned about the cost of cataract surgery, getting pet insurance coverage is a good way to cover the costs in the future and gain some peace of mind. The companies on this list are a great start and offer good reputations, good customer service, and excellent coverage options, but be sure to investigate the policy options to make an informed decision.
Featured Image Credit: Masarik, Shutterstock
Contents
- A Quick Comparison of Our Winners for 2024
- The 7 Best Pet Insurance Providers for Cataract Surgery
- 1. Trupanion – Best Overall
- 2. Lemonade – Best Value
- 3. MetLife
- 4. Wagmo
- 5. Spot
- 6. Nationwide
- 7. Progressive
- Buyer’s Guide: How to Choose the Best Pet Insurance Provider for Cataract Surgery
- What to Look for in Pet Insurance for Cataract Surgery
- FAQ
- Can I Get Pet Insurance Outside the U.S.?
- What If My Insurance Company Is Not Listed in Your Reviews?
- Which Pet Insurance Provider Has the Best Consumer Reviews?
- What Is the Best And Most Affordable Pet Insurance?
- What the Users Say
- Which Pet Insurance Provider Is Best for Cataract Surgery?
- Conclusion