Pet Insurance

Help replace “How much is this going to cost?” with “Do what’s best for my pet.”

We know your pet is a large part of your family, and we know that medical expenses can be stressful. Luckily there are many pet insurance options to help reduce those costs . That’s why we have outlined a few here to help you make the right choice for your loved one and offered a few points to think of when making your decision. All of the pet insurance plans offer coverage for cats and dogs. Some of the companies offer an avian or exotic plan for birds, rabbits, snakes, and ferrets, to name a few, but many of them do not state it directly on their website.

Thinking Points:

1. Deductible vs No Deductible

Generally speaking the lower the deductible, the higher the monthly cost. Many pet insurance companies allow you to choose a deductible that fits your financial needs, a few even offer a choice of a $0 deductible. Be sure to check if the deductible is annual (preferred) or per incident (preferred if you can pick a low or $0 deductible).

2. Coverage

Be sure to look into what is covered. Every pet insurance company is different in what they cover. They may also limit what is covered based on the age of your pet when it is insured, such as Hip dysplasia. Many offer additional coverage options that can be added onto your plan for an additional cost and include things ranging from covering dental procedures to fees incurred trying to find your lost pet to third party property damage.

3. Insurance Premiums vs Pet Age

With all of the pet insurance companies the older your pet is when it is enrolled, the higher the premium will be at that time then if you enrolled the same pet within its first year. But, some of the pet insurance companies will continue to increase the pets insurance premiums as it ages. Others will just increase or decrease the premiums based on your areas vet costs increasing or decreasing. Be sure to look into premium increases when you are checking out the policies.

4. Limits

Be sure to look into the coverage limits. There can be pay out limits on individual procedures, annual limits, per incident limits, and life time limits.

5. Exclusions

This can be a big deciding factor on what plan to choose. All of the insurance options do not cover pre-existing conditions. Some do not cover yearly vaccinations and/or exam fees, but that being said if the plan has a high deductible or a per visit deductible, then it may be cheaper in the end to pick an option that has a lower deductible that does not cover exam fees and/or vaccinations. So be sure to do the math and see what works best for you financially while keeping your pet well covered.

6. Premium Increase due to filing claims

Many of the pet insurance companies do not do this but some do, be sure to keep an eye out for this.

Some Insurance Options

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Deductible Options: $100, $250, $500 (Annual)
Co-Insurance %: Payout based on VPI’s “Benefit Schedule”
Premium increase due to pet aging: Yes
Policy payout limits: Payout is limited to each condition under only one Primary Allowance which is the benefit limit for the primary condition or procedure.  This includes exam, diagnostic testing, prescriptions, injections, hospitalization, treatment, anesthesia and surgery. And then any applicable Secondary Allowance which is the benefit limit for the condition or procedure that is treated along with the Primary Diagnosis condition or procedure.

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Deductible Options: $0 to $1000 (Per Incident)
Co-Insurance %: 10%
Premium increase due to pet aging: No
Policy payout limits: No payout limit over the life of your pet, with no limits per year, claim, illness, procedure, or condition.

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Deductible Options: $100, $250, $500, $1000 (Annual)
Co-Insurance %: Option to pick 20%, 30%, or 40%
Premium increase due to pet aging: Yes
Policy payout limits: $20,000 per year for each year your pet is alive.

*Please note that this information on this page is only meant to help you find the correct insurance for you and your pet. We are not affiliated with any of the listed pet insurance companies. The information is not guaranteed to be current, as insurance companies can change what the offer frequently.

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