Pet health insurance is available to provide medical coverage for your pet to pay for unexpected veterinary expenses, such as deductibles or treatment costs, which are not included in your vet’s office estimate. Many policies only cover certain conditions, though.
A quote from one of the leading providers of pet health insurance quotes, Healthy Paws Pet Insurance states ” although each insurance company has different criteria to decide what they will cover under their plan, most will cover accidents that happen to your dog or cat while at home, preventive care like vaccines and check-ups at the vet’s office”
They also note “some plans include an exclusion period after any injury or illness where coverage may not be available.”
So, while some pet health insurances will cover you for preventative care like vaccines and check-ups, many can exclude certain diseases or conditions during the first year of coverage.
This is important to note because some families may want insurance that does not cover major medical issues until after the “exclusion period.” You must read your policy carefully to find out exactly what it will and will not pay for during this exclusionary period.
It’s also recommended by most companies that you keep track of all expenses throughout the year so if a claim is necessary they have an estimate of the costs involved.
With so many providers available it’s important to shop around for quotes based on your specific needs, just be sure with whatever one you choose that you’re confident enough in their coverage to be able to pay for all your expenses yourself if the pet insurer doesn’t provide a benefit.