There are many things you should do when you own a pet to make sure they are ready for anything. Pet insurance is one option. This can help prevent you from having to use funds from your emergency savings account, which is something you do not want to do. Make sure you are aware of your policy's limits.
Pet insurance can be a great way to save money on your pet's medical bills if they are injured or become ill. According to a study, the average cost of vet care for pets in the United States was $15 million in 2016. A pet insurance policy can save you from having to dip into the family's emergency funds when it comes to paying for medical treatment.
There are many MA pet insurance providers that offer insurance. The cost of a policy will depend on whether your pet is over age or if you are looking for specific coverage. Many policies provide coverage against illness and injury, and may offer after-death indemnity.
Some insurance companies offer additional coverage for wellness. Wellness coverage covers regular checkups, routine cleanings, heartworm treatments, and flea and tick treatment. Not all insurance companies offer this level of coverage. It is important to review the fine print and make decisions based upon your pet's current health and your budget.
Some insurers will pay 100% of your vet bill once you reach your deductible. Others will reimburse 70%, 30%, or 20%. Consider signing up for a plan offering a higher rate of reimbursement if your vet bill is large.
Many MA pet insurers will provide you with free quotes. They will also require some basic information about your pet, including its breed, age, and pedigree. Once you have provided these details, you'll receive a quote. Get a free quote to get an idea of the cost of a policy.
Many MA pet insurance companies offer optional extras like burial or lost pet coverage. Also, you might consider an accident-only policy which covers medical emergencies as well as surgery and dental care.
For example, GEICO / Embrace will give you a free medical history review when you sign up for a policy. This will help you determine if your pet has pre-existing conditions, which will be excluded from most pet insurance plans.
If you are unhappy with your policy, Embrace will refund your money. To get a full refund, you may return your policy within 30 calendar days. But Embrace does not offer a separate wellness policy, so you'll need to choose another company if you want wellness care.
Finally, some companies will reimburse all of your veterinarian's costs. Others insurers will have higher deductibles, which means you'll need to pay more to file a case.