If you’ve ever had a pet, you know how expensive things can be—especially when it comes to unexpected medical expenses. And while most pet parents would do anything for their dog or cat, there’s nothing wrong with looking for ways to save.
Much like health insurance for humans,Covers a number of medical expenses. But there are many When it comes to choosing, it can be difficult to find the one that best suits your needs. Read below to understand how pet insurance plans differ and which one is right for your furry friend
If you’re in the market for pet insurance, you can start by getting a free price quote so you know exactly what to expect.
What is pet insurance?
Pet insurance can help cover costs related to your pet’s care. You pay a regular monthly premium, which can increase as your pet ages. Have some plansYou must pay before coverage begins.
Coverage depends on the amount, age of the pet and . Premiums are generally higher for purebred animals than mixed breeds because purebreds have more genetic abnormalities.
For many pet owners, you must pay the vet bill and then submit a claimBy pet insurance companies. In some cases, your vet may feel comfortable billing the insurance company first.
You can now get a free pet insurance quote in 30 seconds.
Types of pet insurance
Like health insurance, there are different types of pet insurance that pet owners can purchase. Some pet insurance companies offer multiple types of plans, but others only offer one or two types.
Accidents are only plans
As the name suggests, an accident-only plan will cover accidents such as your pet being hit by a car, breaking a bone or ingesting something poisonous. These plans are usually the least expensive as they only cover major accidents.
Accident-only plans are best for: Owners who cannot afford a full plan but want some type of coverage.
Accident and sickness plan
Accident and sickness plans can cover diagnostic services, surgeries and drugs as well as major accidents. If your pet is diagnosed with cancer, their medication and treatment will be covered under this type of plan.
Accident and sickness plans are best for: Pet owners who want more coverage and are worried about future illnesses.
Just as it sounds, comprehensive pet insurance covers most types of accidents, illnesses and conditions that can affect your pet. This may include, but usually will not include, genetic conditions that your pet is predisposed to.
Comprehensive plans are best for: Owners who have adopted an animal that they suspect will have health problems in the future. It may also be good for owners who can afford stronger coverage.
You can easily check prices with Pet Insurer Lemonade right now or use the table below to compare some of the top providers.
Most pet insurance plansRoutine visits, such as annual exams and vaccinations. A routine visit usually costs between $50 and $250, and annual vaccinations run between $60 and $100. You can purchase a wellness plan that covers those services, or you can save up for these visits throughout the year.
Pet insurance often doesn’t include pre-existing conditions, which is one reason owners should consider purchasing a policy sooner rather than later. If you wait until your pet’s illness is diagnosed, insurance companies usually won’t cover it.