Why Pet Insurance?
Pet insurance help you protect your pet in case of accidents, illnesses, and emergencies. Pet insurance can help you can get reimbursed for vet bills for covered conditions.
How Does Pet Insurance Work?
Usually, you pay a monthly premium for your pet’s coverage. Then, after a qualifying visit at a vet near you, you can submit receipts to your pet insurance company for reimbursement. Most pet insurance companies deposit funds directly into your bank account, but some send a reimbursement check.
Many carriers allow you to see any licensed veterinarian in the US without having to use a “network” veterinarian. After you pay the initial premium, you can file a claim when your pet needs vet care. Many insurers have a waiting period of a few days before your pet’s coverage starts. Some policies allow you to set the deductible to select the price that fits your budget. The insurance company will only pay for eligible care after you reach the deductible amount – you’ll have to pay the initial amount up to your deductible to your pet clinic directly.
When you submit a claim, the policy will reimburse you the established percentage, usually 50 to 90%. Your pet’s care may be subject to an annual cap. In this case, you would have to pay out of pocket for care that exceeds this maximum amount.
Pet insurance may cover medically necessary veterinary treatments, including but not limited to:
- MRI or CT scans and X-rays
- Poison control consultation fees
- Prescription medications
- Surgery and Hospitalization
- Medical supplies (such as but not limited to bandages, casts and splints)
- Cancer treatments
- Treatment for behavioral problems
- Microchip Implantation
- Optional Preventive Care coverage may be available, for a small added cost each month.
Get a quote below or give us a call today to discuss your pet coverage needs.
