There are many things you should do when you own a pet to make sure they are ready for anything. Pet insurance is one way to do that. This will help you avoid spending funds from your emergency savings accounts, which you don't want to do. Be aware of your policy limits and deductible and consider additional fees.
If your cat or dog becomes sick or injured, pet insurance can help you save a lot of money. In fact, a recent study found that the average cost of veterinary care for dogs and cats in the United States was $15 billion in 2016. A pet insurance policy could help you avoid needing to draw on your family's emergency savings when you are in need of medical treatment.
Many pet insurance MA providers offer insurance policies for pets. Prices for a policy will vary by state. It will depend on how old your pet is and what coverage you need. Most policies cover injuries and illnesses, but they also may provide after-death damages.
Some pet insurance companies may offer additional coverage for wellbeing care. Wellness coverage provides coverage for routine checkups, dental cleanings, and flea, tick, and heartworm treatments. This level of coverage is not offered by all insurance companies. It is important to check the fine print and make your own decisions based on your pet's health condition and your budget.
While some insurers will cover 100% of your vet bills once you have met your deductible, others will only reimburse 70/30 or 80/20. You should sign up for a plan with a higher reimbursement rate if you have a large vet bills.
Many MA pet insurance companies will offer free quotes. You will need to provide basic information about your pet including its breed, age and pedigree. After providing these details, you will be given a quote. Get a free quote to get an idea of the cost of a policy.
Many MA pet insurance MA companies offer optional add-ons such as lost and burial coverage. An accident-only policy provides coverage for dental and surgical expenses.
GEICO / Embrace provides a free, comprehensive medical history review for policyholders. This will help determine if your pet may have pre-existing health conditions.
If you are not satisfied with your policy, Embrace offers a full refund. You can return your policy for a full credit within 30 days. But Embrace does not offer a separate wellness policy, so you'll need to choose another company if you want wellness care.
Some companies will even reimburse you for all your vet's expenses. The deductible for other insurers may be higher, so you will be responsible for more of the costs if you need to file an insurance claim.