Pet insurance is like health insurance but for your pet. Like health insurance, it covers many medical procedures. Furthermore, it may cover secondary and related services. But what is covered by pet insurance?
Preventative care may or may not be covered by pet insurance. For example, they may pay for puppies to get their first rounds of vaccinations but not routine preventative care like heart worm treatments. You’re on your own when it comes to taking care of your dog’s teeth and grooming needs.
Major Medical Bills
One of the benefits of having insurance for your dog is that it will help pay the big vet bill. These may come with accidents and severe illnesses. It may pay for emergency veterinary care and an extended stay at a veterinary clinic. The pet insurance policy may pay for your pet to be boarded when they have to stay behind due to health reasons. However, pet insurance will not pay for medical bills due to animal abuse or neglect. For example, if you don’t keep up your pet’s vaccinations, they may not pay the bill for that illness.
It may not cover birth defects and hereditary conditions your animal is at risk for due to its breed. In some cases, you may be eligible for coverage if you paid extra for it. In these cases, your pet’s eye disorders or hip dysplasia may be covered. You’ll only get discounts on prescription pet food and supplements if you have a comprehensive pet insurance policy.
If you’re only concerned about the high cost of emergency veterinary care, you should investigate accident only pet insurance. Then the insurance covers the broken bones when your dog is hit by a car and the injuries due to a puppy swallowing something, but that is it.
Pet insurance often covers for sudden illness, assuming it isn’t because you intentionally fed your pet something they shouldn’t eat. Pet insurance pays for things like bloodwork and medication. They’ll also cover the cost of infection management, such as when your dog’s bite wounds get infected. However, preexisting illnesses are not covered by insurance policies. In fact, the insurer will often wait a few weeks or months to cover issues like knee and ligament conditions. That’s why you should get pet insurance as soon as you get the pet, if you don’t want to pay for everything out of pocket.
Comprehensive pet insurance may apply if your pet is suffering health problems due to excessive licking or fur pulling. The insurance policy then pays for diagnosis and reasonable treatment of the root cause. However, pet insurance policies rarely pay for puppy training or behavioral modification because your pet is chewing on the furniture.
A higher end pet policy may cover chronic conditions like diabetes, cancer or arthritis. For example, a pet insurance policy may pay for insulin injections for your animal, and it may pay for the removal of a cancerous growth on your pet. However, it rarely pays for chemotherapy for a pet.
Many pet insurance policies pay for the microchipping of your pet. This reduces the odds that they’ll have to pay for fliers to be printed for a lost animal.
In Conclusion, you should also be aware that asking pertinent questions from a pet insurance provider will educate you on the finer details of the policy as well as making sure it will be appropriate for your pet. Ensure that you take your time to choose the right policy as well as make sure you understand the various elements of small print that are contained within a particular pet insurance package. This can also give you the assurance that you have chosen the right pet insurance package for your animal.