Every pet parent knows that their dogs or cats are part of the family, keeping them healthy can be expensive, pet insurance helps to cover the cost.
What is Pet Insurance and how does it work?
Pet Insurance provides coverage against the unexpected costs you incur when your pet gets sick or injured. If you have to take your pet to the vet then the policy will reimburse you your expenses based on the limits of your policy.
The policy covers the examination fees, treatment costs and medications prescribed by your vet, pre-existing conditions or routine treatments are not covered.
Types of Pet Insurance
Accident and Illness
This is the comprehensive plan that covers you against any accidents you pet may have or any illnesses it develops, pre-existing conditions are not covered. Everything is covered up to your policy limits, Vet visits, surgeries, medications, physical therapy, anything your pet needs to recover from the accident or injury it has suffered.
If you are on a budget then the accident only policy will cover you against the costs incurred if your pet has an accident, like the accident and illness policy any treatment your pet may require is covered based on your policy limits.
Wellness Routine Care
An optional extra you can add to your plan to help pay for routine vet visits, vaccinations and preventative medicines.
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What does Pet Insurance Cost?
There are several factors that go into calculating the cost of pet insurance:
- The type of animal your pet is.
- The breed of your pet
- The age of your pet
- Where you live
- The coverage level you choose
- The reimbursement level you choose
- The annual deductible you choose
Frequently Asked Questions
What type of animals can I get pet insurance for?
Pet insurance is only available for dogs and cats.
Does Pet Insurance cover routine vet visits?
No, pet insurance only provides coverage for injuries or illnesses unless you have purchased the Wellness Routine Care addition to your policy.
Does pet insurance cover spaying or neutering?
Spaying or Neutering is considered as routine care and as such is not covered.
Does pet insurance cover teeth cleaning?
Teeth cleaning is considered routine care and as such is not covered.