You are probably no stranger to insurance. You likely have health insurance coverage, wherever you live is insured under homeowners or renters’ insurance, and if you drive you have car insurance. But if you have a pet, do you have pet insurance? Have you ever heard of pet insurance? If the answer is no, you are not alone. Pet insurance is a fairly new concept, but with rising veterinarian care costs, pet owners should be making this a priority. An emergency trip to the vet can cost you thousands and can potentially leave you with difficult decisions to make. Keep reading for everything you need to know about pet insurance coverage.
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How to Get Coverage
Getting coverage is simple, as all you need to do is receive your online quote and pay for the plan. The quote you receive will be determined by a few different factors. This will include things like breed, age, and geographical location. It is also important to note that different insurance companies can deny coverage based on breed or age. If you are having trouble finding coverage for your specific case check out Pumpkin pet insurance. Pumpkin vows to not deny coverage based on dog breed or pet age. Their coverage will also work at your existing veterinarian, so you won’t have to worry about switching to someone covered under your provider.
You will find that there are some similarities between getting healthcare coverage for a pet and a human. Therefore, it stands to reason that pet insurance companies will not insure a pet with preexisting conditions. This is why it is important to ensure your pet early on in their life, so they will be covered if they do develop a chronic condition.
What is Covered?
Most medical related expenses that your pet could rack up will be covered by your pet insurance plan. Coverage will include prescription medications, diagnostics and treatments, orthopedic injuries, cancer care, parasites and infections, toxins, emergencies and hospitalizations, surgeries, and specialized care and many more. Some plans even go as far as to include treatment for behavioral issues, prescription food and supplements and even alternative therapies such as acupuncture. Also covered are things that new pet owners need like vaccinations and microchipping. If you have recently adopted a puppy, make sure to look into puppy specific packs that will cover all the vaccinations and tests needed in the first six months of their life.
How much will I Save?
Most insurance plans will cover around 90% of your vet bills with deductibles averaging $250 a year. So, if your pet swallows something inedible and needs an endoscopy to remove it, you will end up paying $180 of the $1,800 vet bill that will follow. Once you file your claim, you will be reimbursed the $1,620 difference.
Emergency vet visits can be some of the largest (and always unexpected) expenses, however the small things can add up over time. The Yearly vet visits, prescription diets, medications and supplements, and dental cleanings can fortunately be covered by pet insurance. Even if you don’t have a particularly accident prone pet, insurance can still end up saving you thousands of dollars in your pet’s lifetime.
There are extra opportunities to save money for multiple pet households. Most insurance companies will offer a 10% discount on coverage for each additional pet you add to your plan. Sign your pack up together to enjoy added savings.
Give Yourself Peace of Mind
The thought of an unexpected medical emergency can cause stress and anxiety in any pet owner. Many people struggle to afford the astronomically high bill that comes with these incidents. The unfortunate reality is that when people are unable to afford these prices, their pets are left with inadequate or no medical care. No pet parent wants to have to make that decision. Having your pet insured will give you the ability to select the best course of treatment for your pet should any emergency arise. This way you can focus on helping your pet get better rather than stressing about going into debt over their care.
Don’t Hesitate, get your Pet Covered!
If you are a current pet owner or are expecting to add a furry addition to your household, make sure to check out a coverage plan that works for you. We love our pets like family so let’s make sure we treat them like it! Getting them insured will help make sure that we have as much time with our fur babies as possible.
