There are many things that you can do to ensure your pet is well-prepared for any medical emergency. Pet insurance is one option. This can help prevent you from having to use funds from your emergency savings account, which is something you do not want to do. Be aware of your policy limits and deductible and consider additional fees.
Pet insurance can help you save lots of money in the event that your dog or cat becomes ill or is injured. A recent study revealed that in 2016, the average cost for veterinary care in the United States for cats and dogs was $15 billion. A pet insurance policy can save you from having to dip into the family's emergency funds when it comes to paying for medical treatment.
There are several MA providers of pet insurance that you can choose from to insure your pet. The cost of a policy will depend on whether your pet is over age or if you are looking for specific coverage. Most policies include protection against injuries and illness. Some may also offer after-death coverage.
Some pet insurance companies may offer additional coverage for wellbeing care. Wellness coverage offers coverage for routine checks, dental cleanings, flea, tick, heartworm treatment, and regular checkups. However, not all insurance companies will provide this level of cover. It is important to review the fine print and make decisions based upon your pet's current health and your budget.
Some insurers will fully reimburse your vet bill if you meet your deductible. Others may have a 70/30 reimbursement structure or an 80/20 reimbursement structure. You should sign up for a plan with a higher reimbursement rate if you have a large vet bills.
Many MA insurance providers offer free quotes for pet insurance. They will also need basic information, such as the breed, age and pedigree of your pet. After you submit these details, you will get a free quote. You will receive a free quote that will let you know how much you can afford to purchase a policy.
Some pet insurance MA companies provide optional add-ons like lost pet and burial coverage. Another option is to get an accident-only insurance policy. This provides coverage for medical bills, dental, and surgery.
GEICO / Embrace for instance will offer you a free health history review when you sign-up for a policy. This will allow you to determine if your pet is suffering from pre-existing conditions.
If you are unhappy with your policy, Embrace will refund your money. You can return your policy within 30 days for a full refund. But Embrace does not offer a separate wellness policy, so you'll need to choose another company if you want wellness care.
Some companies will even reimburse you for all your vet's expenses. You will be required to pay more out of pocket if you have to file a claim with another insurer.