UNDERSTANDING PET INSURANCE

Welcome to the world of pet parenting! Your furry friend is not just a pet, but a much loved member of your family. As such, their health and well-being are likely a top priority for you! That sudden limp, random throwing up, an unfortunate visit to the dog park, ingesting something concerning, these events can strike fear in the pet lovers heart! I know it does for me! Pet Insurance can help! This eBook is aimed at helping you learn a bit about pet insurance - it is basically health insurance for your pets! We hope to guide you through understanding the key elements of a pet insurance policy and why it’s a vital investment for your loyal friend’s long-term health.

Wellness

Depending on the carrier, many policies offer this coverage. It is a part of the “a la carte” plan where you may choose to have coverage.

Accident

Be mindful of what your carrier will call and accident vs. illness!

Illness

ust like humans, the unexpected illnesses that befall our pet friends.

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Pet insurance is a financial product designed to help pet owners manage the cost of veterinary care for their pets. Here are some basics:

Coverage: Pet insurance typically covers veterinary expenses related to accidents, illnesses, and sometimes routine care such as vaccinations and annual check-ups. The specific coverage can vary depending on the plan you choose.

Premiums: Pet owners pay a monthly or annual premium to maintain coverage for their pets. Premiums can vary based on factors such as the pet's age, breed, location, and the level of coverage selected.

Deductibles: Similar to human health insurance, pet insurance often involves a deductible, which is the amount the pet owner must pay out of pocket before the insurance coverage kicks in. Deductibles can be per incident, per year, or per condition, depending on the policy.

Reimbursement: After paying for veterinary care out of pocket, pet owners can submit a claim to the insurance provider for reimbursement. The reimbursement amount is typically a percentage of the covered expenses, minus any deductible.

Frequently Asked Questions

Most pet insurance policies do not cover pre-existing conditions, or health issues that were present before the policy started. Some plans might cover curable pre-existing conditions after a waiting period if the pet has been symptom-free for a certain time.

The deductible is the amount you pay out-of-pocket each year before the insurance company starts paying. A co-pay is a fixed amount you pay for each service, such as a veterinary visit, after you've paid your deductible.

When choosing a pet insurance policy, consider the coverage options, exclusions, deductibles, reimbursement levels, and premium costs. Look for policies that cover conditions that are common for the breed and age of your pet.

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