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What Is Pet Insurance?
Pet insurance provides reimbursement for medical expenses accrued as the result of injury, illness, or, in some cases, the preventative care of your animals. Designed primarily for dog and cat owners, pet insurance may cover any of the following:
The specific coverages will depend upon your policy. In the event that your pet experiences any covered events, the owner pays the vet directly and submits a claim for reimbursement of all or part of the amount paid.
This type of insurance is designed to protect policyholders from the financial stress that can be caused by unexpected veterinarian bills.
What Is Covered by an Pet Insurance Policy?
The exact coverage provided by pet insurance depends in large part upon the type of policy a pet owner chooses. These are some options commonly available. In addition to these options, pet owners may be able to add riders onto their policies to obtain additional coverage.
Accident-only pet insurance covers medical care related to accidents. Covered injuries may include bites, ligament tears, cuts, broken bones, ingested objects, snake bites, and ingested poison.
Comprehensive pet insurance provides coverage for a wide range of illnesses and injuries. These can include accidents, injuries, hereditary conditions, infections, chronic conditions, and more.
Routine, or preventative care, pet insurance provides coverage for medical care that pets receive on a regular basis. This can include annual checkups, vaccinations, spay and neuter procedures, and more.
Frequently Asked Questions
Learn more about pet insurance by exploring the answers to common questions, and then contact us for additional information.
- Do I need pet insurance?
Pet insurance can be useful when faced with thousands of dollars of unexpected expenses. Your agent can help you consider your circumstances to determine whether pet insurance might work for you.
- What conditions are not covered by pet insurance?
Most pet insurance policies will not cover pre-existing conditions, cosmetic procedures, breeding expenses, conditions not specifically covered by the policy, and non-vet related expenses.
- Can I choose my own vet?
Under most pet insurance plans, you can take your pet to any vet for treatment. There are no in-network and out-of-network stipulations with this type of insurance.
- Do I need pet insurance?
- How much does pet insurance cost?
The exact cost of your pet insurance will depend upon the type of policy you purchase, the coverage you receive, and other factors. Our insurance agents will work hard to find you a policy that fits within your requirements and your financial constraints.
- Does my pet need an exam first?
Possibly. Exam requirements depend upon the policy you purchase.
- Can I insure a pet besides a dog or a cat?
Most pet insurance policies do not cover animals other than a dog or a cat, but your insurance agent can discuss your options with you.