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Pet Insurance: Is It Right for You and Your Pet?

Questions to help you choose a pet insurance provider It can be tough to sift through the legal jargon included in many pet insurance informational packets. After you do some research online and find a few companies you might like to work with, it’s time to dig a little deeper. Use this list of questions to find the level of care that’s just right for you and your pet.
From your veterinarian

  • 1. Is the company licensed in your state? Which of their policies are available in your state?
  • 2. Does the company have a good reputation? What do the Better Business Bureau or other independent organizations have to say about it? How long has the company been around?
  • 3. Are the policies and information provided reasonably easy to understand? Are the people you talk to knowledgeable and helpful?
  • 4. Does the company offer customer service during reasonable hours?
  • 5. Can you see any veterinarian you want?
  • 6. Have premiums increased over the past few years? If so, by how much?
  • 7. What happens to coverage and premiums as your pet gets older?
  • 8. Are there any reasons you wouldn’t be able to renew your policy?
  • 9. What type of coverage and co-insurance does the policy require?
  • 10. Is there a “usual and customary charges” clause? How are those limits determined?
  • 11. What kinds of care are excluded or limited? Are congenital or hereditary diseases covered? What about cancer? Is dental care covered?
  • 12. Are conditions diagnosed within one year excluded as preexisting conditions the next?
  • 13. Are benefits available for wellness or preventive care for your pet?
  • 14. Can you choose a deductible? Can you change the deductible from year to year? Is the deductible annual or is it applied to each medical incident?
  • 15. Are the waiting periods before coverage begins reasonable?
  • 16. Is there a maximum age for enrollment?
  • 17. Are there limits per incident, per year, per lifetime, or per body system? What are those limits?
  • 18. Is a physical examination required for enrollment or renewal?
  • 19. How quickly are claims processed and paid?
  • 20. Are there any billing fees or discounts?
Pet Insurance:
We are not promoting one Insurance Company over another and in todays pet world there are several companies that stand out above the rest. This is why we recommend our clients review and gather as much information as possible before purchasing Pet Insurance. The only recommendation we do strongly believe in is getting your pets covered as soon as possible. Some of the companies start as early as 8 wks of age. Below is a listing of sites that may help you decide on one company over another. 

Why Pet Insurance Is Important
With all the new procedures and advanced treatments for pet illnesses come greater costs, and pet parents are not always prepared to pay for pet medical care. Approximately $24.5 billion is spent annually on veterinary care in the United States. It’s estimated that your pet has a 33 percent chance of becoming injured or ill each year and there is a 92 percent chance that they will need medical care at least once in their lifetime.

What are pet parents doing to protect themselves and their pets in the case of injuries or unexpected illnesses? Many are enrolling in pet insurance plans. When pet parents can let their veterinarian run tests, diagnose, and treat an injury or illness correctly, everybody wins! We invite every pet parent to consider pet insurance so that their pet has access to the care they need.

Differences in Pet Insurance Plans
Most pet health insurance plans have a few basics in common. You usually pay a monthly premium; select an annual or per incident deductible amount; can go to any veterinarian you choose; pay your vet first, file a claim and then get reimbursed; and pre-existing conditions and related treatments are not covered. Breeding issues, experimental treatments, and cosmetic surgery like declawing and tail docking are also typically not covered. There are also substantial differences between companies. These differences often impact if your claim is covered or how much you get reimbursed after a veterinary visit. Some of the most important 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; and
  • Whether their customers are happy with their customer care and claims experience.

Helpful Resources
Protect your pet's health. Compare pet insurance companies, see the latest customer reviews, and get a free quote. Here are some links to help you make the right decision.

Pet Insurance Review - A review website for pet insurance policyholders. Read what customers are saying about customer service and claims processing for all pet insurance companies.

Other Pet Insurance Company Links added below.

Below is a top Insurance Company that we have met with or some of our employee's and client have used over the years.

 Ranked 9.1-10 in customer reviews. We recommend pet health insurance from Embrace. To compare Embrace with other insurance coverage click on compare.

We are providing access to possible avenues of reimbursement for veterinary bills when  a severe illness or injury arises. We do not promote one insurance company over another. This is solely the responsibility of the owner to determine which company provides the best coverage they are seeking for their pets.

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