More and pet owners are considering the purchase of pet health insurance. The rising cost of health care and the increasing number of insurance options make the idea more attractive to a lot of pet owners. Although plans differ based on coverage, deductibles, limits, caps and exclusions, many companies are offering different components or types of coverage. Accident and Injury coverage generally handles unexpected injuries, wellness plans tend to deal with routine and preventative care, etc.

One of the More Comprehensive Plans Around

American Modern Pet Health Insurance is one of the more progressive types of companies that can offer many levels and types of coverage. A full coverage plan means that all accidents and illnesses are covered, except those that are pre-existing. You also have the option of adding Wellness coverage, Medication coverage and Dental coverage. The actual details of what is covered and whether there are caps on coverage are all specifically outlined in the policy proper. You can choose a level of coverage (70%, 80%) and also how much of a deductible you are willing to pay. This company’s full coverage policy includes veterinary exams, specialists, diagnostic testing and many other services that are often left out of other policies.

Some Limitations Always Apply

American Modern Pet Health Insurance plans do not cover preexisting conditions, no matter what level of coverage you buy. Taking the time to identify your pet’s health care priorities based on their age, breed and general healthiness will allow you to search more quickly and effectively for the right policy. The timing of accidents and illnesses can make giving your pet the best care cost prohibitive. The cost of providing health care in an emergency for your pet can only rise in the future and may very well have reached a level that makes pet health insurance a must for any pet owner.