Pet Insurance

After all, they are family.

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Pet Insurance

Pets are a part of your family, so of course you want to do what you can to help keep them well and healthy. Protecting your furry family members with pet insurance is one way to do that.

But good veterinary care comes at a cost, and you don’t want to have to choose between life-saving modern veterinary care and your wallet. A pet health insurance plan can help cover the cost of the care your pets need without causing financial hardship in your budget. You can also purchase optional preventive care coverage for an additional minimal cost. The preventive care option is designed to help pet parents plan and pay for the yearly routine care that helps keep their pets healthy.
What Does Pet Insurance Cover?
Most of the pet insurance policies are designed to provide coverage for your cat or dog in case of accidents and illnesses but are not intended to cover routine veterinary care. This means that if your pet becomes sick or is injured in some way, the policy would provide coverage for some of your veterinary expenses. However, if your pet is going to the vet for routine care like vaccinations, dental care, and annual exams, their expenses would not be covered by the policy.

Many pet insurance policies will cover hereditary conditions. The asterisk next to this is that your pet cannot already have shown symptoms of the condition or it will be considered a pre-existing condition.

Typically, pet insurance companies don’t provide pre-existing condition coverage for cats, dogs, and other pets. This means that if your pet has previously been diagnosed with a condition, or if you have noticed symptoms that are related to the condition, coverage for that condition will not be covered by your policy.

Types of Pet Insurance
  • Accident and Illness Insurance: These policies cover your pet in the case that they are injured or fall ill.
  • Wellness Insurance: Wellness policies generally cover more routine issues like exams, vaccinations, spaying and neutering, and nail trims.
  • Exotic Pet Insurance: This type of insurance covers pets that aren’t cats or dogs. Very few companies offer this type of insurance. Most pet insurance policies are for when your pet is injured or becomes ill. Sometimes this will be split into separate accident or illness plans.

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