Just looked on the Consumer Reports website and this is what we have on Pet Insurance… I don't see any specific ratings on different types of Pet Insurance... maybe its not part of the online subscription.
Why pet insurance is usually a dog
If the recent pet-food scare is tempting you to buy insurance for Fifi or Fido, hold on. Even though many policies cover tainted food, most exclude pre-existing conditions. And hereditary or congenital problems. And ailments that strike during the first month of coverage. And oh, yes, some insurers restrict coverage for older pets.
But such limits didn?t stop the pet-insurance industry from selling an estimated $230 million in policies in 2006, a figure projected to grow by 24 percent this year, according to Packaged Facts, a market-research company.
There are at least a dozen brands of pet insurance in the U.S., selling several levels of coverage. Accident insurance, usually with a provision for tainted food, is typically part of a policy. Cover age for checkups, shots, and certain breeds costs extra.
Most insurer Web sites give you price quotes instantly, but whether the price is worth paying is harder to gauge. If you buy PetCare?s QuickCare Gold policy for, say, a bearded collie puppy, you?ll pay $49 a month. If the pup needs $3,000 toward treating a spinal problem the next year, you?ll be glad you bought insurance: You?ll owe a $100 deductible, after which the company pays 100 percent, up to $3,000. Not a bad deal, because you will have paid about $600 in premiums. But if the problem occurs after the dog turns 8, the plan pays only 80 percent, and you?ll be out more than $4,000 in premiums paid during those eight years.
CR?s take. Checkup costs alone don?t justify insurance. Instead, factor them into your budget. Annual surgical vet visits cost, on average, $453 per dog and $363 per cat, says the American Pet Products Manufacturers Association. If your pet is older and more likely to need extra treatment, and you can find an accident-and-illness policy that costs less than those amounts, consider it. If not, put the amount you?d pay in premiums into an interest-bearing fund.