There are many things you could do to prepare for an emergency with your pet. Pet insurance is one of these things. 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. Costs for pet insurance can vary between states. They will vary depending on the age of your pet, as well as the coverage you require. Most policies provide protection against illness and injuries, and they may also provide after-death compensation.
Some pet insurance companies offer additional coverage to cover wellness care. Wellness coverage offers coverage for routine checks, dental cleanings, flea, tick, heartworm treatment, and regular checkups. Some insurance companies may not offer this coverage. It is important to check the fine print and make your own decisions based on your pet's health condition and your budget.
Some insurers will reimburse 100% of your vet bill after you reach your deductible, while others will have a 70/30 or 80/20 reimbursement structure. 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. They will require basic information such as your pet's 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 companies offer optional extras like burial or lost pet coverage. An accident-only policy provides coverage for dental and surgical expenses.
GEICO / Embrace, for example, will provide a free medical history review to help you choose the right policy. This will help determine if your pet may have pre-existing health conditions.
If you aren't satisfied with your policy or Embrace has a money back guarantee. Your policy can be returned within 30 days to receive a full reimbursement. Embrace cannot offer a separate policy for wellness, so you will need another company to provide wellness care.
Some companies will also reimburse all expenses incurred by your veterinarian. You will be required to pay more out of pocket if you have to file a claim with another insurer.