Agile Pet Insurance Review

Key Points:

• $100 per-claim deductible
• Need approval for some types of care, including surgery and care costing $2,500 or more
• No waiting period once approved

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Pet insurance has become a popular way for people to take care of their pets. The coverage can help you pay for the costs of healthcare for your furry friend.

Agile Pet Insurance is one of the many companies now offering insurance for pets. The company offers unique policies that are fairly different from the competition.

In this review:

• Agile Pet Insurance policy details
• How much does Agile cost?
• What does Agile cover?
• What Agile does not cover?
• Pros & cons
• How to get an Agile policy

Agile Pet Insurance policy details

	Agile Pet Insurance
Eligible breeds	No restrictions
Eligible ages	2 to 299 months
Maximum benefit	$100,000 lifetime benefit
Reimbursement	50% – 90%
Deductible	$100 or $200 per claim
Monthly premium	As low as $23
Waiting period for illnesses	None
Waiting period for accidents	None
Medical exam required?	Yes, if your pet has not been to the vet in 12 months. Otherwise, only have to provide medical records.

Agile Pet Insurance covers dogs and cats of most ages. You can insure a pet as young as two months old, which is young enough that most new pet parents won’t struggle to get a policy.

One nice perk of Agile Pet Insurance is that there’s no waiting period for the insurance to go into effect and that pre-existing conditions are covered if they haven’t been identified at the time that you purchase the coverage.

One drawback is that the plan comes with a per-claim deductible. You have to pay the $100 deductible for each visit to the vet before the insurance kicks in and starts reimbursing your costs.

Also keep in mind that certain procedures, including surgery and care over $2,500 require pre-approval from Agile, which can be an issue in an emergency.

How much does Agile cost?

Agile’s policies start as low as $23 per month. Typically, cats are cheaper to insure than dogs, so dog owners can expect to pay more to cover their pet.

In general, costs vary with where you live, what kind of pet you have, and other factors. For example, people who live in a busy city might pay more than someone who lives in a suburban or more rural location because of the increased dangers their pet may face in a city.

One unusual aspect of Agile’s Pet Insurance policies is that you don’t always get the option to customize your plan. Many insurers let you adjust your coverage levels to change your monthly bill, but Agile offers just a single plan to some customers.

There are some discounts available, including multi-pet discounts and discounts for employees of the military and animal shelters, rescue homes, and veterinary hospitals.

What does Agile cover?

Agile covers many of the ailments and issues that a pet would have. Some of the things that it covers with no questions include:

• Cancer treatments
• Respiratory issues
• Kidney disease
• Hip dysplasia
• Hit by car
• Bites from other animals
• Foreign body ingestion
• Mouth or tooth injuries
• Acupuncture
• Chiropractic
• Herbal therapy
• Naturopathy
• Homeopathy

For certain things, you must get approval from Agile prior to the procedure to receive coverage. Procedures requiring approval include:

• Surgical procedures
• Veterinary specialty fees
• Overnight hospitalization
• Services over $2,500
• Treatment for hip dysplasia
• Tissue or organ transplants

There are two important caveats to keep in mind.

One is that the plan has a $100 per visit deductible. If you go to the vet, you have to pay $100 out of pocket before the insurance kicks in and starts reimbursing you for your costs.

The second is that the plan has a $100,000-lifetime benefit limit. Most pet insurance plans have an annual benefit limit or no limit at all.

What Agile does not cover?

Agile covers most of your pet’s medical needs, but there are some exclusions. The company lists the following exclusions in its policies:

• Pre-existing conditions diagnosed prior to coverage
• Vaccinations
• Spay and neuter surgeries
• Sales Tax
• Flea, tick, and heartworm prevention
• Dental treatment (not due to an accident or injury)

Because Agile requires a medical record for your pet before giving you coverage, Agile will identify and inform you of any pre-existing conditions it finds before you finalize the policy. That means you’ll be forewarned about any conditions the insurance won’t cover.

Pros & cons

How to get an Agile policy

Getting an Agile policy is relatively easy.

Eligibility information

Agile does not offer insurance nationwide, but partners with local providers that you can work with to get coverage if you’re outside of one of its coverage areas. The company insures all breeds of cats and dogs aged 2 to 299 months.

If your pet has been to a vet in the past year, no exam is required. You just need to authorize your vet to send your pet’s medical records to the insurer. If you haven’t been to the vet in the past year, then a medical exam is required. This lets Agile identify any pre-existing conditions.

How to apply

Applying for a policy is easy through Agile’s website. Here are the steps you’ll need to take:

1. Go to the company’s site, enter your ZIP Code, and click “get a quote.”
2. Enter your pet’s name
3. Select whether your pet is a dog or cat
4. Enter your pet’s birthday
5. Add any additional pets that need coverage
6. Review the policy and finalize the application with your personal and payment info

Where to find alternatives to Agile

Pet insurance is becoming a common expense for pet owners and Agile is just one of many insurers on the market. If you’re interested in covering your pet but don’t think that Agile is right for you, it’s worth considering other options.

Our guide to the best pet insurance providers is a great place to start, especially if you’re looking for plans that offer unlimited coverage, only have annual deductibles instead of per claim, or that don’t require pre-approval for certain types of care.

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Ready to take out a policy with Agile? Check out its website.