Pet Insurance

If you are considering pet insurance here are some basics.

Pet insurance helps protect you from large or unexpected veterinary bills. It can make sure you won't have to choose between your pet's well-being and your finances.

Veterinary care is getting more expensive. Veterinarians now have options like using MRIs and chemotherapy to treat their pet patients. Pet insurance can help make sure you'll always be able to give your pet the best medical care available.

The good news is that you don't need to worry about whether your existing vet takes pet insurance. All pet insurance companies will allow claims from any licensed veterinarian. However, you will have to pay the veterinary bill out of your own pocket and then submit the claim to your insurance company for reimbursement. Pre-existing conditions are not covered.

You will need to do some research and compare. A low price is no bargain if your insurance company denies your pet's claim. Cheaper policies tend to provide less coverage. Choosing a plan that covers routine preventive treatments, like vaccinations and dental cleanings, can help your pet live a long and healthy life and wellness coverage can help you pay for them. Knowing you'll get reimbursed for wellness care may even motivate you to make those important appointments.

Pet Insurance Companies:

Top companies are: VPI, PetPlan, Embrace, Trupanion, PetsBest and Pets First.
ASPCA has teamed up with Hartville
AKC has teamed up with Pet Partners, Inc.
Humane Society has teamed up with PetPlan

To find the right insurance policy for you and your pet:

  • Check to see if your insurer excludes or charges a higher premium for your breed.
  • Review any age limits for coverage. Some insurers require the pet to be 8 weeks old, some don't cover pets over a certain age and some have no age limit
  • If you have more than one pet,ask your insurer if they offer a multiple-pet discount
  • See if the policy covers only accidents or accidents illness. Find out if they offer comprehensive coverage, including preventive care such as checkups, vaccinations and neutering
  • Review the deductibles, co-pays and caps on coverage
  • Check to see if the insurer excludes any genetic or hereditary conditions for your pet