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.
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The 7 Best Pet Insurance Providers for Cataract Surgery
1. Trupanion – Best Overall
Trupanion is one of the best pet insurance options, especially if you’re dealing with cataracts. The monthly premium for dogs is around $59 per month, while cats are around $30 per month, which covers congenital conditions like cataracts. The key is that Trupanion will only cover cataract surgery if it’s an inherited or congenital condition, not if it’s the result of a condition like diabetes or an injury.
With Trupanion, you have the option to add coverage to expand your care options, but the monthly premium will increase along with it. This is a good option to tailor your coverage to your budget and your pet’s needs, however.
2. Lemonade – Best Value
Lemonade pet insurance is a highly-rated pet insurance company and covers a variety of common conditions, including cataracts and cataract surgery. With more comprehensive coverage options like a Gold or Platinum plan, Lemonade will cover a portion of the cataract surgery cost at 80% reimbursement.
There are several options for add-ons with Lemonade, such as preventative treatment plans, and you can customize the coverage to your needs. The policy for a dog or cat starts at $10 a month, and preventative care add-ons range from $16–$25 per month for dogs and $10–$20 per month for cats. Lemonade insurance is not available everywhere, however, and doesn’t cover dental or mental health issues.
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.
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.
Spot pet insurance offers highly customizable plans with accident and illness coverage, optional preventative care, and add-ons for behavioral issues or alternative therapies. You can tailor your plan with options for deductibles, reimbursement percentages, and annual limits.
Spot covers accidents, injuries, illnesses, and congenital conditions, so you can get coverage for cataract surgery. The amount you have to pay for the surgery depends on the deductible and reimbursement percentage you’ve chosen. That said, Spot does not cover pre-existing conditions, so you may not be covered if the cataracts were caused by a disease or injury prior to getting insurance.
Nationwide pet insurance is a good choice for pets with cataracts. As one of the most recognized and respected insurance companies in the country, it offers multiple insurance plans for dogs and cats that cover major medical expenses like cataract surgery.
The monthly plans are affordable, with the basic plan starting at $12 per month. Even a premium policy is only $39 per month and covers major issues. Cataract surgery is covered, but not until you’ve been a policyholder for at least six months. Nationwide also requires you to use an approved veterinarian.
Progressive is a massive insurance brand that offers auto, home, and pet insurance by Pets Best. With this pet insurance plan, you can choose coverage levels for accidents and injuries, accidents and illnesses, or a comprehensive plan with preventative care. An accident and injury coverage, cataract surgery would only be covered by insurance if it was caused by an injury, not a disease or an inherited condition.
With accidental injury and illness coverage, you can select your reimbursement amount and deductible to cover cataract surgery, but note that Progressive does not cover pre-existing conditions. Progressive doesn’t offer options for holistic therapies, food, boarding, grooming, or other non-essential needs.
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.
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.
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.
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.
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.
What the Users Say
Trupanion has good customer reviews overall. This is what some customers had to say:
Not all customers were satisfied, however:
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.
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