Agile Health Insurance
- No waiting period
- Premiums won't increase as pets age
- Claims processed in 3 to 5 days
- Pre-existing conditions not identified at enrollment are covered
- Coverage up to $100,000
Agile Health Insurance is an online insurance marketplace based in Mountain View, California that provides a variety of insurance options, including hospital indemnity, dental, cancer, and pet insurance. Its pet insurance policies are underwritten by Aspen America Insurance Company, a well-respected and financially stable insurance provider.
Up to 90% Vet Bill Reimbursement
- Get up to 90% back at any vet
- Comprehensive illness & accident coverage – no levels
- Optional wellness plan covers routine vet, grooming, & training costs
- Customizable annual deductible, annual limit, & reimbursement percentage
24/7 Telehealth Helpline
- 30-Day Money-Back Guarantee*
- Up to 90% reimbursement on eligible vet bills
- Multi-pet discount & access to 24/7 vet helpline
- Visit any U.S. licensed veterinarian or specialist
- Accident, illness, and optional preventive care coverage available
No Upper Age Limit on Enrollment
- Comprehensive coverage at affordable prices
- No upper age limit on enrollment
- Choose $5000 annual or unlimited benefits
- 24/7 veterinary support line for all customers
Coverage Starting at as Little as $10 per Month
- Coverage starting at as little as $10 per month
- Optional preventive care policy available
- Quick claims payment & easy-to-understand policies
- Live chat with veterinary experts through mobile app
Coverage for Pets of Any Age and Breed
- Coverage options for less than $1 a day
- Reimbursement for up to 100% of vet costs
- Customizable deductible and reimbursement rates
- Take your pet to any licensed vet, emergency clinic, or specialist in the US
- Coverage for pets of any age and breed
- Family plans with a single deductible for the whole furry family
Coverage
Specifically, Agile Health Insurance offers pet insurance policies for both cats and dogs that cover accidents and chronic health conditions, but do not include wellness care.
One of the key benefits of Agile Health Insurance's pet insurance policies is that there are no waiting periods or restrictions on which veterinarians you can use. This means that if your pet experiences a health issue, you can take them to any veterinarian you choose without having to worry about whether or not the treatment will be covered.
Agile Health Insurance's pet insurance policies cover a wide range of medical conditions, including accidental injuries, illnesses, cancer, chronic conditions, dental illnesses, oral disease, and injuries. This coverage includes diagnostic testing, surgery, hospitalization, prescription medications, emergency care, and specialty care. There are no restrictions on out-of-state coverage, meaning that you can take your pet with you wherever you go and still receive coverage.
Agile Health Insurance's pet insurance policies have an annual benefit maximum of $100,000, which should be sufficient for most pet owners. Additionally, there are no lifetime benefit limits to worry about, and there are no hard per-incident limits. However, you do need to get approval from Agile Health Insurance before pursuing treatment that will cost more than $2,500.
It's worth noting that Agile Health Insurance requires pets to be at least eight weeks old before they can be insured. This is a bit older than the minimum enrollment age with many other pet insurers, so it may not be the best choice if you want to insure a very young pet. However, there is no waiting period for coverage, which is pretty unusual among pet insurance providers, so you can start using your policy right away.
Pricing, Reimbursements and Deductibles
In terms of reimbursement and deductibles, Agile Health Insurance reimburses 80% of the actual cost of most services, which is a pretty standard reimbursement rate for pet insurance. There is a $100 annual deductible, which is a good choice for those who don't want high out-of-pocket costs in the event of a pet health emergency. However, Agile Health Insurance does not offer different deductible options like some of its competitors.
When it comes to pricing, Agile Health Insurance's pet insurance policies are more expensive than many of its competitors. However, it does offer discounts of up to 15% for those insuring multiple pets, military members, and those who work for animal welfare organizations. If you fall into one of these categories, Agile Health Insurance's policies may be more affordable than you initially thought.
