Pet insurance provides a unique combination of financial security for you and medical support for your pet. for oneEvery month you can rest assured that you are protected in the event of an emergency.
whenNotable (esp. for ), it doesn’t work properly . Although most Americans are familiar with their inner workings , And Pet insurance is an entirely different animal.
That doesn’t mean pet insurance isn’t a smart, affordable way to protect your pet. This is it. To get the most value, however, it helps to familiarize yourself with all aspects of this insurance type
If you think you would benefit from insuring your dog or cat, get started today by getting a free quote.
3 Surprising Things to Know About Pet Insurance
Here are three surprising things to understand about this unique form of insurance.
Pre-existing conditions are not covered
Pet insurance, unlike health insurance for humans, discriminates against pets with pre-existing conditions. Providers may deny coverage to pets who have had these issues before the policy began. You may still be able to get some protection but major issues that existed before signing up will not be covered
This is why starting early is so important. Whether your pet is new to the family or a few years old, signing up makes the best financial sense when rates are lower and coverage is potentially more extensive. And if annoying health problems arise in the future, your pet will already be a grandfather.
You can get a free pet insurance quote now or use the table below to find a policy that works for your needs.
A note: If a pre-existing condition is cleared, you can potentially get coverage again.
“A curable condition is a temporary condition or injury that resolves for at least 12 months and can be considered for coverage in eligible states (check with customer service to see if curable conditions are covered in your state),” pet insurer Lemonade Comment. “Knee or ligament conditions and chronic conditions such as allergies, asthma or cancer cannot be cured.”
You have to pay out of pocket (periodically).
People can expect to pay a co-pay when they visit their doctor, but not more (bills for overall visits may be mailed in the future).
That’s not how it works with pet insurance. When visiting the vet, you are responsible for any services your pet receives during the visit. So you need to tap into savings or charge your credit card that day.
Your pet insurance provider, however, willFor the amount you spend (depending on your policy). You just need to file a claim and submit. From there, your insurance provider will process it and refund the funds you spent.
In short: you won’t pay for many visits, but you will pay on the day to plan accordingly.
Cats are cheaper than dogs
When it comesThere is a clear winner in the battle between cats and dogs.
Cats, which generally require less care than dogs, are generally cheaper to insure. And if they need to go to the vet, the services they need are often less expensive than dogs.
“Even though dogs live fewer years on average, you can easily spend $1,500 more to insure a dog over its lifetime than a cat.” Taka.com An analysis of pet insurance costs mentioned.
More expensive, however, is relative because the price tag for insuring any animal is reasonable. Pet insurance costs vary but you’ll typically pay $30 to $70 per month for a dog and $15 to $40 per month for a cat.
A note: Cats are generally cheaper to insure than dogs, some catsCan be more expensive than other dog breeds. For example, an English Springer Spaniel dog can cost around $34 per month to insure while an Abyssinian cat can cost around $42 per month.
Pet insurance offers unique financial benefits to owners but it doesn’t work like other types of insurance. Keep these things in mind as you create a smart coverage plan for your pet. You can get a price quote with Pet Sera now.