On pet insurance websites, look past the cute puppy and kitten pictures and find out what they’re for and how they work. Pet insurance pays for unexpected veterinary bills so you can spend more time taking care of your dog or cat. But pet insurance plans are different in what they cover and how they payout, so it’s essential to know your policy before buying it.
Pet insurance – what is it?
The cost of medical care is covered by pet insurance, just like in the case of human health insurance. Much money can be spent on vet bills if your pet is seriously ill or hurt. They might be able to pay for their care with a pet insurance plan. Pet insurance is only meant to pay for unexpected costs to pay for things that don’t come up. It may not pay for things like routine care or illnesses your pet had before buying the policy. To avoid paying for insurance that they don’t think they’ll use, some people choose to pay for all of their pet’s medical expenses instead.
Who can get pet insurance?
Most pet insurance providers only cover dogs and cats. Nationwide and Bivvy also sell insurance plans for birds, snakes, rabbits, and other “exotic” pets. Some insurance companies don’t accept new pets if they are too young or old. Dogs and cats usually need to be at least 6 to 10 weeks old.
Some pet insurance plans don’t have age limits, but others don’t cover older pets or cut off first-time enrollment for pets ages 8 to 14. On the other hand, most pet insurance plans will protect your pet for life as long as you keep paying the premiums. Some insurance plans also require that your pet has been to the vet recently or that your pet has an exam before selling you a project.
Pet insurance: What does it pay for?
People usually get pet insurance to cover both accidents and illnesses. This is the most common type. So if your dog gets hit by a car or has a urinary tract infection, his treatment would be covered, up to the amount of money you set aside in your plan. Some pet insurance companies also offer accident-only policies, which are usually less expensive than whole policies covering everything. It can help you if your cat swallows a toy and needs surgery, but it won’t help you if she gets sick.
- X-rays, ultrasounds, and more diagnostic procedures.
- Emergency care.
- Treatment of cancers and infections.
- Prescription drugs.
Coverage can also vary a lot from plan to plan. These are just some of the basics. Some of the things your pet insurance might cover:
Treatment that isn’t traditional or rehabilitative
These words are from the text: Some plans cover physical therapy and a wide range of other treatments, like acupuncture and chiropractic. People don’t cover all of these, don’t cover them at all, or only cover the most expensive plans. There isn’t a standard definition of alternative care, so read the fine print to determine which treatments your pet can get.
Behavioral therapies work
Some insurance plans may cover the cost of treatment for things like aggression or compulsive behavior, but not all. A package that comes with this kind of insurance may cost more than others..
Congenital or passed down problems
Having an abnormality in your pet when it is born can cause more problems later. Hip dysplasia and patellar luxation are hereditary conditions that animals get from their parents. They can be passed down from one animal to the next. Many insurance policies will pay for things like this as long as your pet didn’t show signs before you bought the plan. Other plans may not cover these conditions.
Others pay for procedures and drugs, but they don’t cover fees when your pet is sick or hurt. Depending on who you ask, they may charge you extra if you want these fees paid for.
Diets and supplements on prescription
You may be able to get money back from some insurance plans for the food or supplements your vet recommends for your pet’s health if they say that they’ll help. Many other people won’t, or they’ll charge you extra for the coverage.
The end of your pet’s life may cause you to feel sad and to pay for things like assisted suicide, cremation, or burial. Your schedule could cover some or all of these costs.
What do pet insurance policies not cover?
The majority of pet insurance policies exclude the following:
Pre Existing diseases
Pre-existing conditions are medical problems that your pet had before you purchased the policy or came up while waiting for your coverage to start. They are things that happened while you were waiting. People who get pet insurance rarely pay for something like this because they aren’t ubiquitous.
If you have a policy, you may be able to get money back for things that have been fixed for a certain amount of time. It’s important to know that if you want to add more coverage to your current policy, some businesses will treat this as though you’re buying a whole new approach. Those waiting periods may begin over, and circumstances covered by the procedure in the past will no longer be hidden.
Elective or cosmetic surgery
Pet insurance usually doesn’t pay for procedures like declawing, tail docking, or ear cropping unless medically necessary, but it’s not always clear.
Routine and well-being care
There are a lot of plans that don’t cover things like annual vaccinations, spaying and neutering your pet, and teeth cleaning. However, you may be able to add this coverage for an extra fee.
Another common thing that isn’t covered in the cost of breeding or having a baby. You could be able to attach a rider to cover these costs.
Most pet insurance plans have waiting periods before coverage starts after signing up. If you get hurt in a car accident, the range of injuries may start after a few days. As a general rule, the time it takes for illness coverage to start is 14 or 15 days. There may also be a few months to a year for orthopedic problems, like cruciate ligament problems or hip dysplasia, that need to be taken care of. As long as your pet doesn’t need any treatment during these waiting periods, the plan won’t pay for it, and any problems that happen will be called pre existing conditions.