What Is Pet Insurance?

Pet insurance is the best way to protect yourself from the unpredictable costs of owning a dog or cat. If you or friend has ever had an unexpected accident or illness with their pet, you know that vet or pet hospital bills can very quickly start to add up to thousands of dollars. That’s why pet insurance companies help cover those costs for you.

It’s similar to your health insurance or car insurance. You pay a monthly or annual premium and if something unexpected happens and falls under your policy coverage plan you choose – you will be reimbursed.

How Much Does Pet Insurance Cost?

How Does Pet Coverage Work?

Insurance for your pet comes in policies for accident or accident & illness pet coverage that will pay you back (up to 90%) for any unexpected vet or pet hospital bill. It’s a great choice to protect your finances in case your dog or cat gets needs veterinary care due to an injury or accident. Your pet insurance company will reimburse you for the vet’s bill and includes all the critical cost items like:

• Diagnosis exam or tests (MRIs, X-rays)
• Surgery
• Overnight stays
• Prescription medication
• Cancer treatment (check your plan)

The great news about insurance coverage for dogs and cats is that there are no “provider networks” or “in-network / out of network” hoops to jump through like health insurance for people. Instead, the system is designed to be simple and let you use any vet you want. You go to any vet you want, pay the bill and then submit your receipts to your insurance company and file a claim. They will pay you back the amount based on your policy coverage.

It’s important to note that no pet insurance plan will cover any pre-existing condition. This means if your pet already has a known sickness or injury when you sign up for insurance – treatment for that pre-existing condition will not be covered. That’s why we think it’s important to make sure to sign up for pet insurance before there is a problem so you can make sure you are covered.

Why Get Pet Insurance?

Top States For Pet Insurance