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What is pet insurance

Pet insurance helps provide pet owners with peace of mind by helping cover the cost of veterinary care for their beloved companions. Just like health insurance for humans, pet insurance offers coverage for medical expenses. Pet insurance ensures that pet owners can prioritize their pets' health without worrying about the financial burden of unexpected expenses.

Guarding your pet's health, tail to whisker.

FAQ

  • Why should I consider pet insurance?

    Your family home is a major investment. At least a third of your household income will go to keep and maintain it. A life insurance policy can give your family a way to off the home's mortgage and make sure they can continue to live there worry-free.


  • What does pet insurance typically cover?

    The coverage offered by pet insurance policies can vary significantly depending on the provider and the specific plan you choose. However, common coverage areas include:


    • Accidents: Broken bones, cuts, poisonings, swallowed objects, etc.
    • Illnesses: Infections, allergies, cancer, digestive issues, arthritis, etc.
    • Surgeries: From routine procedures to emergency operations.
    • Hospitalization: Costs associated with your pet staying at the veterinary clinic.
    • Diagnostic Tests: X-rays, bloodwork, MRIs, etc.
    • Medications: Prescription drugs needed for treatment.
    • Emergency Care: Unforeseen and critical veterinary services.
    • Some policies may also offer optional wellness plans that cover routine care like vaccinations, dental cleanings, and flea/heartworm prevention for an additional cost.

  • How does pet insurance work?

    Your family home is a major investment. At least a third of your household income will go to keep and maintain it. A life insurance policy can give your family a way to off the home's mortgage and make sure they can continue to live there worry-free.


  • What factors affect the cost of pet insurance?

    Several factors can influence the premium you pay for pet insurance:


    • Your Pet's Species and Breed: Certain breeds are predisposed to specific health issues, which can affect the cost. For example, large dog breeds may be more prone to certain orthopedic problems.
    • Your Pet's Age: Older pets often have higher premiums as they are generally more likely to experience health problems.
    • Your Location: Veterinary costs can vary depending on where you live.
    • The Coverage Level You Choose: Policies with higher reimbursement percentages, lower deductibles, and higher annual maximums will typically have higher premiums.
    • The Deductible: This is the amount you pay out-of-pocket each year before your insurance starts to reimburse you. A higher deductible usually means a lower premium.
    • The Reimbursement Percentage: This is the percentage of covered costs that the insurance company will pay after you've met your deductible (e.g., 70%, 80%, or 90%). A higher reimbursement percentage usually means a higher premium.
    • The Annual Maximum: This is the maximum amount the insurance company will pay out in a policy year. A higher maximum usually means a higher premium.

  • When is the best time to get pet insurance for my pet?

    Generally, the best time to get pet insurance is when your pet is young and healthy. This is because pre-existing conditions (health issues that existed before you enrolled in a policy) are typically not covered. Enrolling early can help ensure that future illnesses and accidents are covered, providing you with greater financial security throughout your pet's life. However, it's never too late to consider pet insurance, especially if you want help managing unexpected veterinary costs for an older pet. Just be aware of any waiting periods and exclusions for pre-existing conditions.