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What Does Pet Insurance Cover?

By Sandy Smith | August 4, 2021

The well-being of your pet is paramount, and getting pet insurance is a great place to start. However, you may not clearly understand what pet insurance entails, and this lack of information may discourage you from embracing insurance for your animal friend. To shed more light on what pet insurance really entails, this article will come in handy.

There are a couple of pet insurance alternatives that most insurers offer clients: Illness insurance and accident insurance. And while you may come across accident-only insurance plans for pets, illness pet insurance plans typically encompass accident coverage too. Routine care (wellness care) is the third kind of pet insurance plan, and you can access it via other plans as an extra feature.

Accident-Only Pet Insurance Plans

Accident-only insurance for your pet covers emergency care associated with accidents and injuries that befall your pet. Let’s say you have embraced accident-only insurance, and your cat breaks its leg. In such a case, it goes without saying that you will be covered for vet expenses. Also, in the event your dog ingests a poisonous substance, and emergency care is necessary, the accident-only insurance plan will have your back.

It is important to note that accident-only insurance for pets is generally the least costly pet insurance category. Nevertheless, your pet insurance firm would only reimburse your following an accident but not for treatment associated with major illnesses or chronic conditions such as hip dysplasia.

Illnesses Pet Insurance Plan

Pet illness insurance is usually offered in tandem with an accident plan. Subsequently, in the insurance industry terminology, it is referred to as accident-illness insurance. This type of insurance will set you back more financially compared to an accident-only insurance plan. Still, it will cover all tests and treatments associated attributed to accidents and illnesses.

Illness pet insurance ranks as the most common category of pet insurance. But it does not cover any pre-existing pet conditions or routine care. Usually, in most scenarios, this policy covers congenital issues (health conditions) and, in some cases, breed-specific conditions.

Routine and Wellness Care

Wellness and preventive care insurance plans offer pet owners reimbursements for any anticipated treatments, plus unanticipated treatments. It is possible to get a wellness plan on its own (separately), but they are generally sold as extras to existing accident-illness packages.

The majority of pet owners prefer routine and wellness care insurance coverage for their furry buddies, plus illness and accident coverage. Now, maybe you aren’t familiar with what routine care entails. Routine care encompasses a wide array of services, all important to the health and well-being of your pet. They include preventive medication, dental cleaning and associated procedures, vaccinations, spaying and neutering, plus any necessary general health and wellness checkup.

To ensure that you get holistic insurance coverage for your pet, it is advisable to settle for an accident-illness combo, with a wellness plan as the icing on the cake. While it is true that this combination is usually the most costly kind of insurance for your pet, the best news is that it offers your pet the broadest coverage.

Assuming you are sure that you’ll have regular and frequent visits to the vet for pet care in the foreseeable future and that you desire the broadest amount of coverage for unanticipated expenses, then getting this type of insurance plan for your pet is your next best course of action.

Many insurance companies offer coverage for pets, and they vary regarding what exactly they offer pet owners. To be on the safe side as far as pet insurance and what it covers is concerned, here is a recap of what most plans cover:

What Most Pet Insurance Plans Cover

  • Unexpected illnesses such as parvovirus, cancer, hip dysplasia, glaucoma, among others.
  • Unanticipated injuries and accidents, for instance, broken bones (fractures) and ingestion of alien objects.
  • Surgical intervention for cataracts, cruciate ligament tears, among others.
  • Medicine prescriptions.
  • Diagnosis and tests, including blood tests, MRIs, and X-rays.
  • The cost of emergency exams.
  • In addition, some pet insurance plans encompass alternative therapy procedures such as hydrotherapy, chiropractic procedures, acupuncture, boarding services (inpatient), and even rewards and adverts for lost pets!

Keep in mind that pet insurance does not typically cover some types of pet expenses, for instance, food. Nevertheless, in case of pet dietary requisites, some plans may cover expenses for prescription pet food.

The Bottom line

As a pet owner, it is absolutely imperative that you sample the pet insurance plans in the market before settling on one. The majority of policies expressly and plainly state what they cover, and in case you still don’t understand the fine print after reading, you can call the client care department to shed some light.