Pet Insurance

Help when you need it most

Pet insurance is unlike traditional health insurance as it’s more a reimbursement for a schedule of services and medications prescribed. Limitations due to pre existing conditions and common ailments like hip dysplasia are not covered by some policies. Many per polices will cover other ailments such as cancers which can run into the thousands of dollars for surgery and follow up treatments. A pet insurance plan can help reduce those cost. Please speak to one of our Insurance pros for exclusions and limitations.

WITH PET INSURANCE

WITHOUT PET INSURANCE

While paying monthly premiums can add up to a few hundred dollars per year, the benefit of pet insurance is that cost will be less of a factor when deciding whether to go through with a major procedure. Many times, pet owners without insurance can’t afford to put their savings towards a large medical expense and are forced to put their pet down. When deciding if you should get pet insurance, it’s important to consider the huge cost of major medical treatments.

Without insurance, illness and injury treatments can cost pet owners hundreds or thousands of dollars per incident. If your dog or cat gets cancer, the radiation therapy can cost as much as $5,000 or $10,000. Surgeries for tumor removal or to rectify another serious condition can total anywhere from $3,000 to $6,000. However, if you put $30 to $40 dollars a month towards a pet healthcare plan, you can reduce the immediate out of pocket price of medical procedures by thousands.

Before purchasing, you should make sure that you’re clear about the breadth of your specific contract. Standard pet insurance will cover most accidents and illnesses, but insurance providers will exclude some common things. Here are the most common exclusions:

Even the best insurers won’t completely cover preexisting conditions, which are defined as ailments that your pet had before you purchased coverage. Some insurers like Embrace will cover curable preexisting conditions, but not incurable ones. (How this works: If your pet shows no signs or symptoms of the condition for 12 months after the date of onset, Embrace will expire it as a pre-existing condition and cover it for the life of the pet.) For owners with pets that are already sick and can’t be cured, this means that pet insurance may not provide a lot of coverage.

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