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WHAT IS PET INSURANCE
WHAT IS PET INSURANCE
Pet insurance helps cover the cost of veterinary care when the unexpected happens. Most basic plans cost around $40 a month (or under $500 per year). In return, pet insurance can help pay for emergency care or treatments that might otherwise cost hundreds or even thousands of dollars out of pocket.
Go to Pawlicy Advisor, and you can compare different pet insurance options to find what would woork best for you.
COMMON PET INSURANCE COMPANIES
COMMON PET INSURANCE COMPANIES
There are many pet insurance options available, and each plan works a little differently. Here are some of the most commonly used pet insurance companies our clients ask about, along with a few helpful facts about each:
Often known for affordable premiums
Offers accident-only or accident & illness plans
Wellness coverage available as an add-on
Up to 90% cash back on eligible bills
PumpkinNow pays eligible vet bills before you pay the vet for critical, high-cost care
Offers accident and illness coverage for dogs and cats, with optional wellness add-ons
Plans are customizable with different deductibles, reimbursement rates, and annual limits
Covers curable Pre-existing conditions for 180 days symptom free/non-treated.
Monthly cost varies based on pet’s age, breed, location, and selected coverage
One of the largest and longest-running pet insurance companies
Offers plans that include wellness and preventive care
Known for high coverage percentages (often up to 90%)
No annual or lifetime payout limits on most plans
Deductible is per condition, not yearly
Popular for pets with chronic or long-term conditions
Offers customizable plans with different deductibles and reimbursement levels
Covers many hereditary and chronic conditions
Wellness plans available as add-ons
Annual payout limits vary by plan
WHAT IS TYPICALLY COVERED
WHAT IS TYPICALLY COVERED
Many policies help cover things like:
Emergency visits
Surgery
Hospitalization
Cancer treatments (including radiation or chemotherapy)
Prescription medications
Some plans also offer optional preventive care add-ons, such as vaccines and wellness visits. It’s important to know that most insurance companies do not cover pre-existing conditions, including some hereditary issues. It should be noted that ASPCA is the only company that covers curable Pre-existing conditions for 180 days symptom free/non-treated if you are looking for an insurance that has that capability.
Even if you never end up using your pet insurance, many owners find comfort in knowing they won’t have to make a rushed or stressful financial decision if their pet suddenly needs urgent care.
HOW DOES PET INSURANCE WORK
HOW DOES PET INSURANCE WORK
Pet insurance works a little differently than human insurance.
You pay a monthly premium to keep your policy active.
When your pet needs care, you pay the veterinary clinic directly at the time of the visit.
You then submit your receipt to your insurance company for reimbursement.
A HELPFUL REMINDER 🙂
A HELPFUL REMINDER 🙂
Every insurance company — and every policy — is different. Coverage, exclusions, deductibles, reimbursement percentages, and waiting periods can vary significantly. What works well for one pet or family may not be the best fit for another.
We always recommend reviewing policy details carefully and choosing a plan that fits your pet’s needs and your budget.
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