Nowadays, pet parents get access to all sorts of innovations in veterinary medicine, which can improve and extend any pets’ life. Of course, these advancements in vet care come with a lot of additional expenses, meaning a veterinary bill can turn out to be financial distress for many. And this is the main reason why more and more pet owners opt for having pet insurance. Some say this is the best way to achieve peace of mind and access to the best emergency care for a pet. And many are pleased that some insurance plans offer additional wellness packages to pamper their furry friends.

Thus, let’s see what the best pet plan needs to have to get you access to the best services for your pet.

  • Your contract must be designed transparently, meaning that the company must indicate the exact features, limitations, and exclusions concerning coverage offered for either routine or wellness care, along with emergency issues or health problems that need costly veterinary treatments. It is best to inquire about whether or not your premium will get higher when your pet gets older or if you submit several reimbursement requests.

  • Verify if a policy provider offers additional coverage like dental care. Some pet plans don’t feature generic dental care, only emergencies. And it would help if you always strived to find dental care coverage, as it is an essential approach for keeping your pet’s health up.

  • Inquiry about pre-existing health problems, as depending on this, your pet might experience some limitations concerning coverage. Keep in mind that providers have distinct definitions of pre-existing conditions.

  • Some pet plan providers don’t insure some types of breed, or if they do, it will come at additional costs. Make sure you ask about high-risk breeds’ limitations.

  • With several pet insurance companies, you can receive a discount if you insure with them several pets from the same household. It can be handy for pet owners that have many pets.

  • Make sure you get a clear indication about co-pays, deductibles, add-on costs, or similar fees. This will get you in-depth information about your plan’s characteristics and limitations.

  • It is best to find a pet plan that permits you to opt for your preferred veterinary clinic. Some providers make you select from their list of vet partners.

  • Pet plans are mostly reimbursement plans, meaning you will have to pay upfront and submit a claim later. Make sure you request additional information about both claim processes and reimbursements methods before you decide on a pet insurance plan. This will spare you a lot of hassle and stress in the future.

  • No matter if you opt or not for a pet plan, it is always best to have at hand a savings account. Many pet owners have credit for potential emergencies.

  • For the best decision, you should compare different quotes and services with the help of specialized platforms, like Petinsurancefinder. This is the best way to make an informed decision that will enable a lot of benefits for your furry friend. 

To sum up, this list should help you understand some basics about the pet plan. These are great for getting the peace of mind, but at the same time, they allow you to use the best vet care for your pet. Overall, you can skip severe financial distress with simple pet policy.  

Cite this article as:
Editorial Staff, "Does Your Pet Need Health Coverage?," in Medicalopedia, January 22, 2020, [Permalink: https://www.medicalopedia.org/8245/does-your-pet-need-health-coverage/].