Pet Insurance

Pet insurance helps cover the cost of medical care should your pet become ill or have an accident.

Pet insurance is best used for unexpected medical events that are difficult to predict and budget for.

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 your out of pocket cost.

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.

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 disease, and coverage for diseases that are common to your pet’s breed.

Make sure they have a good reputation:
Pet insurance review
Better Business Bureau
Your state’s Department of Insurance

Has a strong underwriter. This is the company that is financially responsible for paying your claim.

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.

Has an affordable premium

Pays claims in a timely fashion (less than 3 weeks)

Does not have unreasonable exclusions or requirements (genetics or hereditary conditions)

Covers your pet in the Continental United States