Pet Insurance frees you from financial stress when choosing the best available veterinary care for your pet and most pet health insurance plans cover the unexpected illnesses and injuries of your dog or cat.
With pet insurance, you can visit any licensed veterinary practice, emergency hospital or specialist. Many pet insurance carriers will reimburse up to 100% of your actual vet bill with unlimited coverage and no limits on claim payouts.
Do I Really Need Pet Insurance?
Today there are more advanced veterinary specialists and treatments available than ever before. These treatments aren’t cheap, often costing thousands. We believe the best medical care for our pets should be an automatic "yes". No hesitation. My sister’s dog Georgia (A female yellow lab) recently had TPLO surgery that cost $4800!
One of my carriers at my agency, Auto-Owners Insurance partnered up with FIGO Pet Insurance providing plans averaging less than $1.50 per day. You can enjoy the peace of mind in knowing your pet will always receive the care they deserve.
Things You Need to Know
Pet insurance can be confusing. Here are a few things to keep in mind:
Veterinary Exam Fees
Make sure your insurance carrier will pay your veterinary examination fee related to a covered illness or injury.
All pet insurance companies exclude pre-existing conditions. This means a condition that first occurred or showed clinical signs before your pet’s coverage started, including waiting periods.
Co-Pay and Reimbursement
These can be confusing. The “co-pay” is the amount you pay and the “reimbursement” is the amount the insurance carrier pays. You can choose from various reimbursements. 70%, 80, 90% and 100%
Some companies require you to pay a deductible for each new illness or injury that occurs. They call it “Per Condition,”. With the pet insurance carriers we represent, your deductibles are for the entire year of your coverage. You meet your deductible. You’re done.
These vary widely between companies. The waiting period begins the day you buy coverage. Most will require a 14-day waiting period for illnesses. But some will only require a 5-day waiting period for accidents.
If your pet has an illness or injury, and it is not a pre-existing condition, you’re covered by most pet insurance:
- Veterinary Exam Fees
- Illness or Injury
- Emergency & Hospitalization
- Veterinary Specialists
- Hereditary Conditions
- Congenital Conditions
- Chronic Conditions
- Holistic & Alternative Therapies
- Prosthetics & Orthopedics
- X-Rays, MRIs, CAT Scans, Ultrasounds
- Hip Dysplasia
- Cancer Treatments
- Knee Conditions
Procedures or conditions typically not covered by pet insurance:
- Pre-existing Conditions
- Routine or Preventative Care
- Spaying or Neutering
- Experimental Procedures
- Breeding, Pregnancy or Giving Birth
- Cloned Pets or Cloning Procedures
- Cosmetic Surgery