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Protecting Your Pet and Your Finances with Pet Insurance
Pet insurance is a health care policy for your pet that reimburses you for certain medical expenses. In the event of a surprise accident or illness, having a pet insurance plan can protect your finances. However, pet health insurance has its limitations, so you should read the fine print on your policy before you buy.
Pet Insurance Can Save Lives!
Interested In Pet Insurance?
Pet insurance is available to most pets and can be obtained through several companies.
Who Should Get Pet Insurance?
Any family considering adopting a pet should investigate pet insurance. Families that currently share their home with a pet.
What Is Pet Insurance?
Pet insurance is a way to help with the financial aspect of keeping our pets healthy and happy. Pet Insurance typically offers monthly or yearly plans and can offset preventative care visits as well as uncontrollable accidents.
How Does It Work?
Much like human insurance, there are several companies that offer insurance to our beloved furry family members.
Unlike human insurance, most insurance will have pet owners pay out of pocket for medical expenses and file claims to get reimbursed on veterinary bills. The amount of this reimbursement is based on the coverage you select.
Lately, there are some insurances such as Trupanion and Healthy Paws which will pay your veterinarian directly without pet owners paying up front.
When Should You Get Pet Insurance?
The sooner you get pet insurance, the better! Insurance your pet early will help reduce your costs as well as keep your pet insured for those unexpected visits.
Why Get Pet Insurance?
Routine veterinary care is the cornerstone of preventative care. Many pet insurances will offer options for basic veterinary visits, preventative treatments such as vaccines and flea, tick and heartworm medications. They can even cover routine bloodwork.
More comprehensive plans can offer coverage for life’s unexpected accidents. They can also cover more complex diagnostics, hospitalizations, surgery and specialty services if needed.
Ask your trusted veterinary care provider for more information.
Pet Insurance 101
Compare Insurance Policies
FAQs About Pet Health Insurance
Choosing Coverage
Questions to ask about the insurance provider:
- Does my veterinarian recommend this provider?
- Does the provider employ certified and trained professionals, and are the provider and person selling the policy licensed in your state?
- How does the provider handle renewals (for instance, if your pet develops a chronic condition over the course of the year, will it be considered a preexisting condition when the policy is up for renewal?
- How do the complaint and appeals processes work?
- Is there a money-back trial period for new subscribers?
- Are there any exclusions for pets of a particular species, breed, or age?
- Will I be able to see my own veterinarian, or do I have to go within the providers network?
Questions to ask regarding the policy:
- What exactly does the policy cover? What do I expect/want it to cover?
- Will I be able to afford the monthly premium, deductible, and required copay?
- Is there coverage (and how much) for chronic, hereditary, or preexisting conditions?
- Are there policies for preventive care, and are they worth paying the additional premium?
- Are there any types of accidents, illnesses, or other health problems that are not covered?
- How are claims submitted and how long does it take to get reimbursed?
- How is reimbursement determined? Does the policy pay up to a certain amount based on “usual and customary fess” and are these amounts in line with what my veterinarian actually charges?
