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Agile Health Insurance Pet Insurance Review

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Agile Health Insurance is an insurance marketplace offering hospital indemnity, dental, cancer, and pet insurance. Its pet insurance policies are underwritten by Aspen America Insurance Company. Agile Health Insurance is based in Mountain View, California, and offers coverage throughout the United States.
 
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How is Agile Health Insurance rated?

Breakdown

4.0/5
Coverage
4.0/5
Cost
4.0/5
Extras

Overall Rating: 4 / 5 (Very good)

Agile Health Insurance offers fairly comprehensive pet medical coverage with no waiting periods or restrictions on vets. Its 80% reimbursement rate and its $100 deductible are pretty reasonable, but the tradeoff for this is premiums that are above the industry average. Discounts are available to military members, those insuring multiple pets, and those who work for animal welfare organizations so these individuals may still want to give Agile a closer look even if the price initially seems high.

Agile Health Insurance Coverage

Coverage - 4 / 5

Agile Health Insurance's pet insurance policies cover accidents and chronic health conditions for dogs and cats. It does not offer wellness care like some of its competitors, so you may want to explore other options if you're interested in this. There are also some services you must get pre-approval for if you want it to be covered, so it's important to read the policy's fine print before signing up. Overall, though, its medical coverage is pretty typical for the industry and there are no restrictions on which vets you can use.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Cancer
  • Chronic
  • Dental Illness
  • Oral Disease and Injuries

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care

Benefit Limits

Benefit Limits - 4 / 5

Agile Health Insurance covers pet expenses up to $100,000 per year, which should be more than enough for most pet owners. There are no lifetime benefit limits to worry about and no hard per-incident limits, though you do need to get approval from Agile before pursuing treatment that will cost more than $2,500.
Benefit Limit Types
Annual
Annual Benefit Maximum
$100,000

Reimbursement & Deductibles

Reimbursement - 4 / 5

Agile Health Insurance reimburses you 80% of the actual cost of most services. This is a pretty common reimbursement rate for pet insurance, but some of Agile's competitors give customers a choice of reimbursement rates, usually ranging from 70% to 90% so they could choose the level of coverage and the monthly premium amount that best suited their budget.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
50%
Maximum Percent Reimbursement
90%

Deductibles - 4 / 5

Agile Health Insurance doesn't give you a choice of pet insurance deductibles like many of its competitors. Its $100 deductible is a good choice for those who don't want high out-of-pocket costs in the event of a pet health emergency, but it would be nice to see the company add a few different deductible options for those who'd like to lower their premiums.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$200

Pricing: How much does Agile Health Insurance cost?

Cost - 4 / 5

Agile Health Insurance's pet insurance policies are considerably more expensive than many of its competitors, so those on a budget might want to explore a few other options before making a final decision. Those insuring multiple pets, military members, and those who work for animal welfare organizations may want to give Agile a closer look, though, as it offers discounts to these individuals that could make its policies a lot more affordable.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$71.99
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$35.99
Rate Details: Annual Deductible: $100, Benefits Cap: $20,000 annually, Reimbursement Model: 80% of actual cost
Available Discounts: You can get up to a 15% discount for insuring multiple pets, being a member of the military, or being an employee or volunteer at an animal welfare organization.

Enrollment & Waiting Periods

Enrollment - 4 / 5

Agile Health Insurance requires pets to be at least eight weeks old before they can be insured. This is a little bit older than the minimum enrollment age with many other pet insurers, so it's not a good fit if you hope to insure a very young pet. The good news is, there is no waiting period for coverage, which is pretty unusual among pet insurance providers, so it's a solid choice if you want coverage to begin right away.
Min Enrollment Age
8 weeks
Max Enrollment Age
25 years
Accident Waiting Period
0 days
Illnesses Waiting Period
0 days

Claims & Service

Extras - 4 / 5

You can file a claim using the online portal or by contacting the company by phone to begin the process. Most claims are processed within three to five business days, which is a pretty typical response time for pet insurance claims.
Advertised Response Time
3 to 5 days days
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
https://www.agilehealthinsurance.com/
Headquarters Address
444 Castro St., Mountain View, CA, 94041

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Our Partner
  • 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
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