Q. What is Pet insurance?
A. Pet insurance helps cover the cost of medical care should your pet become ill or have an accident
Q. Why is Pet insurance important? When would I use it?
A. 1. Pet insurance is best used for unexpected medical events that are difficult to predict and budget for.
2. Pet insurance can be used for routine procedures (vaccines, teeth cleaning, heartworm tests, etc.)
* Be careful that the premiums you pay are less expensive than if your out of pocket cost
Q. How does pet insurance work?
A. It is a reimbursement program, you pay the bill up front and you file a claim with the pet insurance company. The insurance company is the party that will reimburse you.
Q. What do I need to look at when considering a pet insurance company?
A. 1. The plan should have good medical coverage ( covers accidents, injury, and illness.) Check for coverage for chronic disease, continual coverage of chronic disease, coverage for hereditary and congenial diseases, and coverage for diseases that are common to your pet’s breed.
3. Has a strong underwriter This is the company that is financially responsible for paying your claim
4. Has a maximum payout limit that will cover “the worst case scenario costs” Payout limit can be annually, lifetime, per incident, per body system or based on a predetermined benefit schedule.
5. Has an affordable premium
6. Pays claims in a timely fashion (less than 3 weeks)
7. Does not have unreasonable exclusions or requirements (genetic or hereditary conditions)
8. Covers your pet in the Continental United States
Here is a list of some top rated Pet Insurance Companies according to Pet Insurance Review.
Purina Care: www.purinacare.com
Pet Plan: www.gopetplan.com
Healthy Paws: www.healthypawspetinsurance.com
Pet First Healthcare: www.petfirsthealthcare.com
24Petwatch Insurance: www.24petwatch.com/petinsurance
For a complete list of companies go to www.petinsuracereviewstart.asp
** Hazel Dell Animal Hospital has had experience with the following companies: Trupanion, Purina Care, VPI, Pet plan, & Pet first Health Care.**