Pet Insurance

Pet insurance is a type of insurance policy that covers the healthcare costs of your pets. Like health insurance for humans, pet insurance policies usually offer different levels of coverage, deductibles, and premiums. Depending on the policy, pet insurance can cover a range of expenses including routine check-ups, vaccinations, surgery, and emergency visits. Some policies may also cover alternative therapies and treatments, such as acupuncture or physical therapy.

Pet insurance can provide financial assistance when unexpected veterinary costs arise, which can be quite expensive. Like medical insurance for humans, pet insurance covers a portion or all of the costs for necessary medical treatments, surgeries, and medications. This can save an owner a lot of money and prevent a difficult decision of whether to provide treatment or not due to the high cost.

Pet insurance works similar to human health insurance in that you pay premiums, and the insurer covers a portion of your veterinary bills after meeting a deductible. However, the main difference is the medical expenses are billed first to you and then insurance reimburses you.

Policies cover a wide variety of medical expenses, including:

• Accidental injuries (including to permanent teeth)
• Euthanasia or anesthesia
• Cremation and burial expenses
• Ingestion of a foreign object (up to two treatments max per policy year)
• Accidental death
• Illnesses (e.g., cancer, influenza, and kennel cough)
• Alternative medicine
• Behavioral therapy
• Hereditary and congenital conditions

Here are some common exclusions and limitations to be aware of:

• Pre-existing conditions
• Waiting periods

In general, pre-existing conditions are not covered by pet insurance policies. A pre-existing condition is an illness, injury, or medical condition that your pet had before the insurance coverage started or during a waiting period. Since pet insurance is designed to provide coverage for unexpected future incidents and illnesses, it typically excludes pre-existing conditions from coverage.

Yes you can choose any licensed veterinarian, specialist, or emergency clinic. However, it’s essential to carefully review the terms and conditions of your specific pet insurance policy to confirm this information.

YES! You can choose your reimbursement options, deductible, and annual coverage limits based on your needs and budget.

Pet insurance is relatively common, and a significant number of pet owners choose to enroll their pets in insurance plans.

All policies are subject to a 14 day waiting period.