Pet Insurance FAQ

What do most pet insurance policies cover?

Most pet insurance plans cover medical treatments and surgeries for minor problems such as ear infections and bee stings, as well as major problems like broken bones, diabetes, and snake bites. Most policies cover one pet only.

How much does pet insurance cost

An average dog owner can expect to pay anywhere between $19 – $29 per month for a dog. Cat owners fare a little better at anywhere between $12 – $25. Birds can be insured starting at $7 per month. These are general guidelines. Rates may vary depending on your circumstances.

How does the deductible apply?

Most pet policies pay between 80%-90% of your plans corresponding benefit schedule for eligible expenses. A lower deductible generally means that the monthly premium will be greater. Check with your provider for details.

If my pet already has a health problem, will it be covered?

Only if it has been cured and you can prove that is has been cured. Other things like congenital defects may not be covered. Make sure to check with the policy terms before you make a decision to purchase pet insurance.

What pet health issues are not covered?

To keep premiums low, most pet insurance companies will not cover things like elective and cosmetic surgery, behavioral problems, pet foods, grooming, etc. Routine health care like vaccinations, routine teeth cleaning, and annual physicals may be covered, particularly if you have chosen a pet insurance plan that allows routine checkups.

Can I choose my own veterinarian?

This varies from one policy to another. Some policies allow you to choose your own veterinarian, while others require that you stay within their network of preferred providers (PPO) in order to receive pet insurance benefits. If this is important to you, make sure that this is clearly stated in the policy before you buy.

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