There are many things you should do when you own a pet to make sure they are ready for anything. 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 will help you to avoid the need to tap into your family's emergency fund to pay for 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 cover injuries and illnesses, but they also may provide after-death damages.
Some insurance companies offer additional coverage for wellness. Wellness coverage offers coverage for routine checks, dental cleanings, flea, tick, heartworm treatment, and regular checkups. But not all insurance companies provide this level coverage. You should read the fine print carefully and make your own decision based on your pet’s health and 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 to a plan that offers a higher reimbursement percentage if you have an expensive vet bill.
Many MA pet insurance companies will offer free quotes. They will also need basic information, such as the breed, age and pedigree of your pet. Once you have provided these details, you'll receive a quote. You will receive a free quote that will let you know how much you can afford to purchase a policy.
Some pet insurance MA companies provide optional add-ons like lost pet and burial coverage. An accident-only policy provides coverage for dental and surgical expenses.
GEICO / Embrace for instance will offer you a free health history review when you sign-up for a policy. This will enable you to identify if your pet suffers from any pre-existing condition, which will then be excluded from most pet insurance plans.
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. Embrace doesn't offer a separate wellness plan, so you will need to find another company if your preference is for wellness care.
Some companies will even reimburse you for all your vet's expenses. Other insurers will have a higher deductible, so you'll have to pay more out-of-pocket when you need to file a claim.