There are many things that you can do to ensure your pet is well-prepared for any medical emergency. One of those things is pet insurance. This can help prevent you from having to use funds from your emergency savings account, which is something you do not want to do. It is important to be aware of your policy's limits, deductible and any supplementary fees.
Pet insurance can save you a lot of money if your dog or cat gets injured or ill. A 2016 study showed that pet insurance can save you a lot of money if your cat or dog is sick or injured. A pet insurance policy could help you avoid needing to draw on your family's emergency savings when you are in need of medical treatment.
You have the option to purchase insurance for your pet from many different MA pet insurance companies. Prices for policies can vary by state and depend on your pet's age and how much coverage you need. Most policies include protection against injuries and illness. Some may also offer after-death coverage.
Some pet insurance companies offer additional coverage to cover wellness care. Wellness coverage includes routine checkups and dental cleanings. It also covers flea, tick, or heartworm treatments. However, not all insurance companies will provide this level of cover. It is important to review the fine print and make decisions based upon your pet's current health and your budget.
Some insurers will pay 100% of your vet bill once you reach your deductible. Others will reimburse 70%, 30%, or 20%. You should sign up for a plan with a higher reimbursement rate if you have a large vet bills.
Many pet insurance MA providers will give you free quotes. They will also require some basic information about your pet, including its breed, age, and pedigree. After providing these details, you will be given a quote. A free quote will give you an idea of how much you can expect to pay for a policy.
Many MA pet insurance MA companies also offer optional additions such as burial and loss pet coverage. Another option is to get an accident-only insurance policy. This provides coverage for medical bills, dental, and surgery.
GEICO / Embrace offers a free review of your medical history when you sign up to a policy. This will help you determine if your pet has pre-existing conditions, which will be excluded from most pet insurance plans.
Embrace also offers a money-back guarantee if you're dissatisfied with your policy. To get a full refund, you may return your policy within 30 calendar days. Embrace cannot offer a separate policy for wellness, so you will need another company to provide wellness care.
Some insurance companies will pay all costs incurred by your veterinarian. Other insurers will have a higher deductible, so you'll have to pay more out-of-pocket when you need to file a claim.