Pets are thought of as family members rather than animals, and pet owners are increasingly concerned with affording their pet excellent health care. Similar to human health insurance, some companies and organizations are now providing pet health insurance, which can allow pet owners to avoid expensive veterinary bills.
Most pet insurances work the same as human medical insurance; there is a standard monthly fee as well as qualifications a pet must meet. Most plans also have exclusions that will not be covered under the pet insurance.
What is covered and what is excluded?
While different providers have different regulations, the following are typically excluded from a pet insurance plan:
- Pre-existing conditions
- Preventative and routine care
- The veterinary exam fee
Included with most pet health insurances are:
- Blood tests
- Cancer treatment
- Hereditary disease (unless the condition is pre-existing)
- Overnight hospitalization
- Pet emergency accidents
Pet Insurance Tips
When choosing an insurer, you want to be overly critical and examine all aspects of their policies. Check to see whether you can choose your own veterinarian or if you have to visit one of their providers. Determine whether they have exclusions for particular breeds’ susceptibility to certain diseases. Understand the age restrictions and coverage details based on pet maturity. Figure out if the insurance company increases your monthly premium once a claim is made. You may also want to examine the insurer’s policy for reimbursement (e.g. how complicated it is, what percentage is reimbursed, etc.).
If you have any questions regarding pet insurance, our veterinarian would be happy to assist you in choosing a provider that meets your needs.
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