Tips & Advice
Does pet insurance cover dental care costs?
Most pet insurance plans do not cover routine dental care, although a few cover it as part of the wellness coverage upgrade. Almost all plans cover dental accidents. Many plans cover dental illness.
Does pet insurance cover routine care and vaccination?
Most plans only cover routine care/wellness if the pet owner pays an additional fee on top of the basic policy premium. Vaccinations are covered in many pet insurance plans.
Does pet insurance cover preexisting conditions?
Pet insurance does not cover preexisting conditions. If you have any concern that your pet may develop a medical condition, get the pet insured before symptoms occur.
Do older pets qualify for pet insurance?
Older pets can qualify for and enroll in pet insurance as long as they have no pre-existing conditions. However, some providers have a mandatory waiting period of one year before covering the costs of hereditary conditions, like hip dysplasia. Most pet insurance providers have a maximum age for enrollment, and it’s usually 13-14 years, with a few outliers cutting off enrollment at eight to 10 years.
What factors impact the cost of pet insurance?
Breed, age, and hereditary concerns can all impact the cost of a pet insurance premium. Additionally, the major factors that affect a monthly/annual premium cost are the deductible amount, the maximum payout, and the type of insurance. Accident-only insurance will have a much lower premium than lifetime insurance with no lifetime payout limit. The median is time-limited insurance, meaning a medical condition or accident will be fully treated in the year it occurs, but not if it reoccurs in subsequent years. Routine care/wellness and dental coverage are optional on some plans and will further increase the cost of premiums.
What does pet insurance not cover?
Pet insurance does not cover preexisting conditions. Most plans do not cover routine dental work. Many insurers will not cover hereditary conditions, also known as breed-specific illnesses--and, because of this, pet owners who own a breed predisposed to certain medical conditions should read through policy specifics very carefully before purchasing pet insurance.
How much does pet insurance cost?
Pet insurance premiums can cost anywhere from $130 annually (accident-only for cats, with a deductible) to $1,000 annually (lifetime, no deductible) – and these are lower-cost premiums for young pets. As the pet ages, the premium costs might increase. Additionally, pet insurance plans almost all have a copay (ranging from 10%-30% of the bill) ,as well as an annual or incident payout cap.
How can one determine whether it is worth getting pet insurance?
Pet insurance can be determined to be worth the cost under a few different circumstances. If you are getting a pet breed that is known to be susceptible to medical problems like hip dysplasia or food allergies, pet insurance might very well make sense because it can cover preventive care and testing--even if the pet never winds up with a serious medical condition. Other people get pet insurance for peace of mind, because you never know what a pet might do, or how expensive the resulting emergency might be. However, for people who believe in letting their pets live a natural lifespan, with only minimal vet visits and special care as those pets age, insurance isn’t always worth it.
What does pet insurance cover?
Pet insurance covers different situations according to the type of policy. Standard policies cover illness and injury, though minimal ones only cover unexpected injuries. Some policies also offer options for preventive care, pet boarding costs in the event of an owner emergency, or third-party property damage. Different levels of insurance include accident-only, time-limited and lifetime.
Pet insurance is an owner-reimbursed insurance category that pays for veterinary fees when a pet gets injured or ill. Some policies also cover preventive care. Owner-reimbursement means that the pet owner can bring the pet to any veterinarian when an incident occurs, and then file a claim afterward and get reimbursed from the insurer.