There can be a lot of confusion around the benefits of pet insurance and what exactly it covers. With most pet insurances you go to your normal veterinarian for the visit, pay the bill as usual at the time of service, then submit a claim to the insurance company and they send you a reimbursement. Depending on the policy you have chosen determines the percentage of reimbursement, this can range from 60% to 100%. The most popular plans commonly cover 80% to 90% of the vet bill.
There are also options for coverage type available; wellness only, accident only, or both. Depending on the insurance company, they may have an option available that covers hereditary and congenital conditions, otherwise these may be excluded from your coverage. Coverage can also exclude pre-existing conditions if your pet has already been seen by a veterinarian for ongoing conditions such as skin, ears or lameness.
A wellness plan can be a great way to make sure the yearly costs of vaccines and routine care is covered. This plan allows you to provide your pet with any vaccines necessary and the best preventative medicine available, such as heartworm and flea preventions.
If you are able to budget for routine care, then an accident plan may be best to cover any unexpected costs that may be associated with an emergency event. This plan allows for more comprehensive diagnostics and treatments that you may not have otherwise been able to afford to provide for your beloved pet.
There are many companies that provide pet insurance, all of which are available to research online. If you have any questions about what may be the best plan for your pet, feel free to call the office and talk to one of our staff members.