In general, most pet insurance providers will cover putting animals to sleep if advised by your veterinarian under covered conditions and after the waiting period. There are usually exclusions for pre-existing conditions and cremation or funeral expenses, but some providers cover these end-of-life expenses.
Lemon cover
Lemonade’s Single Accident and Illness plan does not cover pet euthanasia, but you can purchase an end-of-life supplement for $3.75 more per month. This supplement covers animal-recommended euthanasia and cremation, and memorabilia such as urn costumes, carvings, and tattoos. You’ll get coverage with no deductible or up to $500 Conditional restrictions. However, it does not cover funeral or burial expenses and the standard waiting period is two days for accidents and 14 days for diseases.
To learn more: Lemonade pet insurance review
Hug cover
Embrace Pet Insurance covers euthanasia under its single accident-and-sickness policy for humane reasons and if it results in a covered condition. It means it will not be covered if recommended because of a pre-existing condition. If you add Wellness Rewards for an additional $18.75 to $52.09 per month, you can also receive up to $650 in reimbursements for cremation, burial and funeral expenses. With this supplement, routine care such as regular checkups, spaying/neutering, vaccinations and heartworm medications are covered.
To learn more: Receive a pet insurance review
Spot coverage
Spot offers accident-only cover and accident-and-illness cover. Both of these plans cover end-of-life expenses, including euthanasia, cremation, and burial due to covered conditions. That is, if you have. Inexpensive accident-only coverageIt covers end-of-life expenses if your pet is put down due to an accident rather than illness. Related expenses, such as funeral arrangements, memorials, and gravesites, are generally not covered.
To learn more: Spot pet insurance review
Figo cover
Figo’s single accident-and-sickness plan covers putting animals to sleep, but there aren’t many details about the coverage. If you add a supplemental care package for about $6.62 a month, you can get up to $250 in coverage for cremation or funeral expenses. This provides additional cover for boarding, holiday cancellation and lost or stolen pet expenses.
Trupion cover
With Trupanion’s accident-and-illness plan, you get coverage and 90% of the cost of putting the animal to sleep. The basic plan doesn’t cover other end-of-life expenses, but a $4.95-a-month addition to the Pet Owner Assistance Package covers cremation or burial for accidental deaths. Cremation or burial due to diseases, congenital conditions or hereditary conditions are not eligible for coverage.
To learn more: Trupanion pet insurance review
The best coverage for pets
The best pet benefits include accident-and-sickness coverage that allows an animal to be put to sleep for “humanitarian reasons.” There are additional options for health plans, but they do not include any additional coverage for end-of-life expenses.
Careful pet coverage
Prudent Pet’s Ultimate and Ultimate Plus plans include a death benefit of up to $250 for cremation and funeral expenses plus the original purchase price of your pet. These plans come with the highest monthly premium. There is no payment or deductible for the death benefit, but it does not cover disease-related deaths of 8 or more dogs or 10 or more cats.
To learn more: Careful pet insurance review