Pet insurance is a great way to cover your pet’s health care costs while giving you peace of mind that those expenses won’t put a strain on your finances. But, there are important things to consider when purchasing pet insurance, such as what is and isn’t covered under the policy.
When it comes to pet insurance, there are usually two main coverage types available: accident/injury coverage which covers medical bills associated with accidents or injuries, and comprehensive coverage which includes accident/injury coverage plus extra items like illnesses or hereditary conditions. Generally speaking, most pet owners will benefit from comprehensive coverage since this type of policy offers more protection and often comes with additional benefits such as routine care.
However, there are some things that aren’t typically covered by pet insurance policies. Such items may include preexisting conditions that occur before the start date of the policy, cosmetic procedures (like declawing), service animals (or working animals used for business or sport), elective surgeries and treatments not medically necessary (e.g., teeth whitening), alternative therapies like acupuncture or chiropractic treatments, preventive care not recommended by a veterinarian (such as nail trims), breeding expenses and vaccinations not recommended by a veterinarian.
It’s also important to note that most policies come with an annual maximum benefit amount which limits how much money can be spent per year on each condition or illness that’s covered. The maximum benefit limit can vary depending on the plan you choose; it may be stated in the form of a dollar amount or percentage of all veterinary bills submitted throughout the course of one year.
It’s essential to thoroughly read all terms in any pet insurance policy before signing up for a plan so you understand exactly what is and isn’t covered under the policy; this will help you select the best plan for your needs and budget. And don’t forget to check for any exclusions or waiting periods that could have an impact on your coverage. Additionally, some insurers may offer additional discounts if you insure multiple pets at once; keep an eye out for these savings opportunities!
