There are many things you could do to prepare for an emergency with your pet. Pet insurance is one option. This can prevent you from spending money from your emergency savings, which is not something you want to do. You should always be aware of your policy's limits and deductible, and consider supplementary fees.
Pet insurance can save you a lot of money if your dog or cat gets injured or ill. A recent study revealed that in 2016, the average cost for veterinary care in the United States for cats and dogs was $15 billion. Having a pet insurance policy can help you avoid having to dip into your family's emergency fund when it comes time to pay for medical treatment.
There are several MA providers of pet insurance that you can choose from to insure your pet. The costs for a policy can vary from state to state, and will depend on the age of your pet and the amount of coverage you need. Most policies cover injuries and illnesses, but they also may provide after-death damages.
Some pet insurance companies provide additional coverage for wellness. Wellness coverage includes routine checkups and dental cleanings. It also covers flea, tick, or heartworm treatments. This level of coverage is not offered by all insurance companies. It is important to read the fine print so that you can make informed decisions about your pet's health and financial situation.
While some insurers will cover 100% of your vet bills once you have met your deductible, others will only reimburse 70/30 or 80/20. You should sign up for a plan with a higher reimbursement rate if you have a large vet bills.
Many MA insurance providers offer free quotes for pet insurance. You will need to provide basic information about your pet including its 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.
For example, GEICO / Embrace will give you a free medical history review when you sign up for a policy. This will help you determine if your pet has pre-existing conditions, which will be excluded from most pet insurance plans.
If you're not happy with your policy from Embrace, you can get a refund. To get a full refund, you may return your policy within 30 calendar days. Embrace is not able to offer a separate health policy. If you are interested in wellness care, you will have to look for another company.
Some companies will even reimburse you for all your vet's expenses. The deductible for other insurers may be higher, so you will be responsible for more of the costs if you need to file an insurance claim.