1. What does pet insurance cover?
Pet insurance will help protect your pet in case of any accidents or illnesses, but it can also be used for routine wellness care like vaccinations and check-ups depending on what plan you have. Whenever you are purchasing the pet insurance plan for your pet, it is important to make sure that you go through all the options and decide how much you want covered. There are pet insurance plans that cover just emergencies, such as being hit by a car, broken bones, bite wounds and lacerations, etc. Other insurance plans cover emergencies as well as illnesses such as ear infections, cancer, hereditary conditions, alternative therapy, laboratory testing, etc. Most insurance plans also have add-on wellness options for routine health care such as yearly check-ups and vaccines. What is covered will differ based on the type of plan that you choose for your pet.
2. Why do I need it?
Veterinary care is getting more and more expensive, especially with all the new diagnostics and treatments that are available for your pets. During almost every pet’s life span, they will need some sort of medical attention. Having pet insurance when the time comes will make the decision to treat your pet a lot easier knowing that you will receive most of the cost of the treatment back.
3. What does pet insurance cost?
The cost of pet insurance differs depending on the level of coverage you pick, where you are located, and the age of your pet. With most pet insurances, you will be able to pick the percent reimbursement, incidence limit (how much total cost wise that they are willing to cover), annual deductible, and even add wellness options to your plan. What you choose to do for those few things will make your monthly rate go up and down. Some pet insurances also offer discount for having multiple pets on your plan.
4. How does pet insurance work?
Pet insurance works differently than the insurance that we have for ourselves. Instead of using the insurance and paying a co-payment, you will have to pay your vet visit up front and in full. After the visit and treatment are completed, you submit a claim to your pet insurance company. Your pet insurance provider will analyze your claim and reimburse you according to your plan.