What Does Pet Insurance Cover?

Like all other insurance, pet insurance coverage varies based on the policy you purchase.  Pet health policies range from accident only all the way up to full coverage including routine care and death benefits.  So no matter what level of coverage you are looking for there is a policy available for you.

Accident Only Pet Insurance

Accident-only pet plans are the most affordable yet the most restrictive of all the pet insurance policies available today.  If you choose to purchase an accident-only pet health policy you can expect to see some if not all of these procedures covered but ONLY if the need for them arises from an accident!  (be sure you get a specific definition of “accident” from your insurance company)

  • Vet consultations & visits
  • After-hours emergency vet visits
  • Specialist vet care
  • Laboratory and diagnostic tests
  • Hospitalization
  • Radiology
  • Prescription medicines & drugs
  • Surgery

Accident And Illness Pet Policies

This is the most common type of policy purchased by pet owners as it’s the most comprehensive yet budget friendly of all the pet insurance plans.  Should you want to protect your pet from illness as well as accident you can be reasonably sure it will cover the treatments listed above as well as the following…

  • Cancer treatments
  • Ear / eye conditions
  • Gastrointestinal problems
  • Infectious disease
  • Skin Conditions
  • Diabetes

There are often stipulations on how much you must pay out of pocket either per incident or per year and this should be looked into before purchasing your pet’s policy.  Another thing to be aware of is the pet insurance companies stand on “Pre-Existing Conditions.”  Will a claim you file this year for cancer disqualify you for that disease next year?

Routine Maintenance Pet Health Plans

Pet policies that cover routine maintenance are the top of the line in the pet insurance industry.  You can expect to pay the most for them but also get the most benefit from a policy of this type.  With a policy like this you can afford to be more proactive and preventative with your pet’s health than you can with other types.  They reimburse you for expenses such as…

  • desexing
  • microchipping
  • heartworm control
  • teeth cleaning
  • dewclaw removal
  • council registration fees
  • prescription diets
  • alternative therapies
  • cremation /burial

Pet health policies are available at all coverage levels and price points.  So no matter if you’re only looking to protect yourself from unexpected accidents or if you want all the benefits an “Accident/Illness and Routine Care” policy will provide, there’s pet coverage out there that’s right for you.

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