There are many ways to ensure that your pet is safe and well taken care of in case of an emergency. Pet insurance is one such thing. This can protect you from the need to draw on your emergency savings fund, which you may not wish to do. It is important to be aware of your policy's limits, deductible and any supplementary fees.
If your cat or dog becomes sick or injured, pet insurance can help you save a lot of money. A recent study revealed that in 2016, the average cost for veterinary care in the United States for cats and dogs was $15 billion. A pet insurance policy is a great way to save money on medical bills.
Many pet insurance MA providers offer insurance policies for pets. Prices for policies can vary by state and depend on your pet's age and how much coverage you need. Many policies offer protection against injury and illness, as well as after-death benefits.
Some pet insurance companies provide additional coverage for wellness. Wellness coverage includes routine checkups and dental cleanings. It also covers flea, tick, or heartworm treatments. However, not all insurance companies will provide this level of cover. It is important to review the fine print and make decisions based upon your pet's current health 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. A higher reimbursement rate is recommended for large vet bills.
Many pet insurance MA providers will give you free quotes. They will also require some basic information about your pet, including its breed, age, and pedigree. A free quote will be provided once you have completed these details. A free quote will allow you to see how much you could pay for a policy.
Some pet insurance MA companies provide optional add-ons like lost pet and burial coverage. A policy that covers emergency medical expenses as well as dentistry and surgery may be an option.
GEICO / Embrace, for example, will provide a free medical history review to help you choose the right policy. This will help you determine if your pet has pre-existing conditions, which will be excluded from most pet insurance plans.
Embrace also offers a money-back guarantee if you're dissatisfied with your policy. To get a full refund, you may return your policy within 30 calendar days. Embrace is not able to offer a separate health policy. If you are interested in wellness care, you will have to look for another company.
Some companies will also reimburse all expenses incurred by your veterinarian. 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.