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What is Pet Insurance and Why is it Important?
- Pet insurance helps cover the costs of unexpected medical bills for your pet.
- It can save you money in the long run, as unanticipated medical costs can be expensive.
- Pet insurances covers not only accidents but also illnesses and hereditary conditions.
- Depending on the policy, it can include coverage for vaccinations, spay and neuter surgeries, dental cleanings and more.
- Most pet insurance policies offer customizable plans to fit your budget and needs.
How Does Pet Insurance Work?
- Most pet insurance policies have varying degrees of coverage and premiums that are based on the type of pet, breed, age, and location.
- Generally, an owner pays a regular premium either monthly or yearly for the coverage. When a pet needs medical care, the owner will present the insurance company with a bill for reimbursement.
- Typically there is an annual deductible that must be met before any claims are made and processed.
What Does Pet Insurance Cover?
- Most pet insurance companies offer coverage for accidents, illnesses, hospital visits, surgeries, prescription medications and tests/diagnostics.
- Coverage also includes behavioral treatments as well as alternative therapies such as acupuncture or hydrotherapy.
- Some policies may include routine care expenses like vaccinations, deworming and heartworm prevention.
Why Should You Have Pet Insurance?
- Having pet insurance helps to make sure you’re prepared for potentially expensive veterinary expenses down the road.
- It gives you peace of mind knowing you don’t have to worry about paying out of pocket for costly medical treatments if your pet needs it.
- If a major illness or injury occurs to your pet, you can focus on their care rather than the financial burden associated with it.