When you’re traveling with your pet, the opportunities for them to get sick or injured add up quickly. Here are some tips on pet insurance and what you should look for in your own pets’ coverage.
How Pet Insurance Companies Work
Most pet insurance companies have a few basics in common. You select a deductible amount; pay your vet, then get reimbursed; and pre-existing conditions are always excluded. Breeding issues, experimental treatments, and cosmetic surgery such as declawing and tail docking are also typically not covered.
There are also substantial differences between companies, which often impact the premium or the amount you are reimbursed after a veterinary visit. Some of the main differences are:
- Whether congenital and hereditary conditions (like hip dysplasia, heart defects, eye cataracts or diabetes) are covered;
- How the reimbursement is calculated (based on the actual vet bill, a benefit schedule or usual and customary rates);
- Whether there are any limits or caps applied to your reimbursement (per incident, per year or over the pet’s lifetime); and
- Whether there is an annual contract that determines anything diagnosed in the previous year of coverage is considered pre-existing the next year.
When researching pet insurance companies yourself, ask if you can send them your pet’s medical history to review. The company should be able to provide an accurate assessment of any pre-existing conditions that would not be covered by their policy.
Pet insurance has become a necessity with most pet parents today. Making sure you’re able to afford unexpected accidents and injuries on the road or at home can save your wallet — and the life of your pet.
Being a responsible pet parent means you’re prepared at home and on the road. You can always be prepared for unexpected illnesses and injuries with good pet insurance. Healthy Paws Pet Insurance is highly rated by pet parents, offers a simple yet comprehensive pet health plan, and AAA members always receive their Lifetime Discount. Learn more about the money saving benefits of pet health insurance — and save up to 90 percent on your vet costs – by visiting Healthy Paws today.