Pet Insurance: Things to Know About Coverage

Pet insurance is becoming a well-known source for dog owners today; however, the big question remains, does my dog need pet insurance?

As dog parents, we know that veterinary services can be costly, especially when it’s an emergency vet visit. It’s during these incidents that pet insurance is quite handy.

So how does it work? Pet insurance is like personal medical insurance. You pick a company that best suits your pet’s needs, choose a deductible, and pick the percentage of your reimbursement. What?!?! a refund? YES!, you get reimbursed a portion of the cost of the visit minus the deductible. The payment can run anywhere between 70% to 90%.

Keep in mind that what you pay monthly depends on your pet’s breed and age, pricing will vary.

The majority of pet insurance companies have you pay for the bill up front and submit your claim. When the request is reviewed and processed, you receive your reimbursement shortly after, usually within a week.

However, I have noticed vet clinics are now working with pet insurance companies and accepting payments directly. It never hurts to ask if your local vet accepts direct payments from pet insurance companies.

Many pet insurance companies will not cover pre-existing conditions, just like personal medical insurance. I always recommend pet owners to research and consider getting pet insurance right away.

Also, many companies do not cover routine medical care (i.e., vaccines, spay/neuter, annual wellness exams, dental, etc.) Some companies may now offer this coverage, but it comes with an added cost.

Along with covering medical expenses, some insurance companies include property damage to a certain amount. Property coverage is excellent, especially if you’re renting a home or apartment. With proof of property coverage, landlords have reassurance their property will be taken care of, should your pet do any damage.

Having this coverage could go a long way for those non-pet friendly housing and reinforce pet ownership responsibility. However, there’s no guarantee that landlords or property owners will be willing to change their rental policies.

Consider pet insurance coverage for dog breeds predisposed to specific health issues like Dachshunds (back conditions), English Bulldogs (respiratory problems), Cavalier King Charles Spaniels (cardiovascular disease), and large to giant breeds for hip dysplasia.

The most common use of pet insurance is emergency veterinary care. We all know that an emergency incident can and will happen when you least expect it. Emergency veterinary care is costly, especially those requiring surgery or life-saving treatments.

How do you pick the right pet insurance company? With many companies out there today, I recommend doing your research. You can jump on social media and ask, “who has pet insurance?” or “what company do you use?” but you will get ten different answers and twenty various recommendations.

An excellent source to assist in your research is (link provided below). This site will list various companies, coverage offered, and more.

All my dogs have pet insurance, and I have had to use it too. Having pet insurance is well worth it. The companies we use are Trupanion and Healthy Paws. At the time we began covering our pups, pet insurance was a relatively new concept, but there are many more companies available today.

I feel comfortable recommending both insurance companies, but I highly stress that any dog parent research and review companies to see if any other might be better for your furry companion’s needs.

If you have been on the fence about pet insurance or how coverage could benefit your pup, take a little time and see what these services can offer. Your wallet could thank you for it later.

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