Living Together
Pet Insurance

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We highly recommend you purchase insurance for your beloved pet! 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, many companies and organizations provide pet health insurance which can assist pet owners with expensive veterinary bills. Most pet insurances work in a similar manner to human medical insurance; there is a standard monthly fee and a deductable that you choose. It differs in that with most policies you pay your veterinarian and the insurance company reimburses you. Cost is based on the plan you choose as well as qualifications a pet must meet. Most plans also have exclusions that will not be covered, such as pre-existing conditions. The ideal time to purchase insurance is immediately upon getting a puppy, for the best price and coverage.

What is covered and what is excluded?

While different providers have different regulations, the following may be excluded from a pet insurance plan: 

  • Pre-existing conditions. 
  • Preventative and routine care (unless specifically included with your policy)
  • The veterinary exam fee.

Included with most pet health insurances are: 

  • Blood tests and other diagnostics.
  • Cancer treatment.
  • Hereditary disease (unless the condition is preexisting) .
  • Overnight hospitalization.
  • Pet emergencies or accidents.
  • Prescriptions .
  • Surgeries.
  • Xrays and ultrasound.
  • Medical treatment of illnesses.

Cost

Pet health insurance policies differ in price depending upon your coverage level. Plans that cover minimal health problems can be purchased for less than $12 per month, while more comprehensive packages could be over $100 per month.

Pet insurance tips

When choosing an insurer, you want to be overly critical and examine all aspects of their policies. Make sure you can choose your own veterinarian. Determine whether they have exclusions for particular breeds’ susceptibility to certain diseases. Understand the age restrictions and coverage details based on pet maturity. Find 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, ask us! Our staff would be happy to assist you in choosing a provider that meets your needs.



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