You most likely already have insurance for cars, your home and even your life but did you know there is also pet insurance? Don’t worry, most people don’t. The Pets a Go Go® team is here to provide you with what you need to know about pet insurance and choosing the right provider.
- What is Pet Insurance? Pet insurance is a health care policy that reimburses you for certain medical expenses. Some policies only cover illness or injury; others will cover routine care in addition to illness or injury. Which type of insurance including what type of deductible you choose is largely dependent on your comfort level around surprise expenses.
- What Types of Plans Are There? Most insurance providers offer both comprehensive and limited coverage plans. Comprehensive policies cover a wide range of illnesses and injuries, while limited-coverage policies are reserved for emergencies, such as bites, foreign body ingestion, bloat, and poisoning. For an additional premium, some insurance companies also provide coverage for costs related to preventive and complementary care, breeding, and behavior modification.
- What’s Covered? Depending on what plan you choose, some pet insurance companies offer accident-only plans while others cover preventative care, accidents and illness. A list of what can be covered include, alternative and behavioral treatment, continual treatment for special conditions, exam fee reimbursements and drug costs, and lastly routine and wellness care.
- How Much Will This Cost Me? Prices for pet insurance are based on a number of factors including your pet’s age and breed, your ZIP code, the type of coverage plan and reimbursement level or deductible, and lastly the insurance company you have your plan with.
These are the basics of how pet insurance works and what to explore before choosing the right plan for you. Similar to choosing any other insurance, you should weigh out all options before locking into a plan for the long-term.