Pets are thought of as family members rather than animals, and pet owners are increasingly concerned with affording their pet excellent health care. Similar to human health insurance, some companies and organizations are now providing pet health insurance, which can allow pet owners to avoid expensive veterinary bills. Most pet insurances work the same as human medical insurance; there is a standard monthly fee as well as qualifications a pet must meet. Most plans also have exclusions that will not be covered under the pet insurance.

What is covered and what is excluded?

While different providers have different regulations, the following are typically excluded from a pet insurance plan:

Included with most pet health insurances are:

• Pre-existing conditions. 
• Preventative and routine care. 
• The veterinary examination/consultation fee. 
• Applicable taxes
• Deductibles 

• Accidents
• Illnesses (Unless preexisting)
• Hereditary disease (unless the condition is preexisting). 
• Hospitalization. 
• Pet emergency accidents. 
• Diagnostics and Laboratory testing

Cost

Pet health insurance policies differ in price depending upon your coverage level. Plans that cover minimal health problems can be purchased for less than twelve dollars per month, while more comprehensive packages could be as much as one-hundred and fifty dollars per month.

Pet Insurance Tips

When choosing an insurer, you want to be overly critical and examine all aspects of their policies. Check to see whether you can choose your own veterinarian or if you have to visit one of their providers. Determine whether they have exclusions for particular breeds’ susceptibility to certain diseases. Understand the age restrictions and coverage details based on pet maturity. Figure out if the insurance company increases your monthly premium once a claim is made. You may also want to examine the insurer’s policy for reimbursement (e.g. how complicated it is, what percentage is reimbursed, etc.). Some insurance companies offer a FREE trials in case an accident or illness occurs. The best time to sign up for a free trial is immediately after an examination is preformed by the veterinarian. 

If you have any questions regarding pet insurance, our veterinarian team here at Murrayville Animal Hospital would be happy to assist you in choosing a provider that meets your needs. You can research a few of the companies available to you. Trupanion and Petsecure are two of the most popular Insurance Companies that we deal with.