There are many things you should do when you own a pet to make sure they are ready for anything. Pet insurance is one such thing. This can help prevent you from having to use funds from your emergency savings account, which is something you do not want to do. Consider supplementary fees and be aware of the limits and deductibles on your policy.
If your cat or dog becomes sick or injured, pet insurance can help you save a lot of money. 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.
You have the option to purchase insurance for your pet from many different MA pet insurance companies. Costs for pet insurance can vary between states. They will vary depending on the age of your pet, as well as the coverage you require. Most policies include protection against injuries and illness. Some may also offer after-death coverage.
Some insurance companies offer additional coverage for wellness. Wellness coverage provides coverage for routine checkups, dental cleanings, and flea, tick, and heartworm treatments. Some insurance companies may not offer this coverage. It is important to review the fine print and make decisions based upon your pet's current health and your budget.
Some insurers will pay 100% of your vet bill once you reach your deductible. Others will reimburse 70%, 30%, or 20%. If you have a large vet bill, you should consider signing up for a plan that has a higher reimbursement rate.
Many MA pet insurers will provide you with free quotes. They will require basic information such as your pet's breed, age, and pedigree. A free quote will be provided once you have completed these details. A free quote will allow you to see how much you could pay for a policy.
Many MA pet insurance MA companies also offer optional additions such as burial and loss pet coverage. Another option is to get an accident-only insurance policy. This provides coverage for medical bills, dental, and surgery.
For example, GEICO / Embrace will give you a free medical history review when you sign up for a policy. This will help you determine if your pet has pre-existing conditions, which will be excluded from most pet insurance plans.
If you're not happy with your policy from Embrace, you can get a refund. You can return your policy within 30 days for a full refund. Embrace does NOT offer a separate Wellness Policy. You will need to choose another company if wellness care is important to you.
Some insurance companies will pay all costs incurred by your veterinarian. Other insurers will have a higher deductible, so you'll have to pay more out-of-pocket when you need to file a claim.