Pet insurance is a special type of insurance coverage designed to provide pet owners financial protection against expensive medical costs. In general, it covers veterinary costs incurred by unexpected accidents, major illnesses, or diseases. Pet insurance policies typically don’t cover pre-existing conditions, routine check-ups, or grooming.
It’s important to consider your pet’s past health and potential future problems when choosing a plan. Numerous factors can determine the cost of pet insurance, such as your pet’s breed, age, plan type selected, and geographic location. Typically, insurance plans are more expensive for older pets or breeds with a higher predisposition to certain diseases. Deductibles, coverage limits, and reimbursement percentages impact how much you pay.
Types of Pet Insurance Policies:
- Accident-only plans: Cover eligible treatment costs for accidents: injuries, ingestion of foreign objects. Least expensive plans due to limited coverage.
- Accident and Illness plans: Cover eligible costs for covered treatments for both accidents and a range of illnesses. Most popular plan option.
- Preventative Care coverage add-ons: For an extra cost, preventative care covers the eligible costs of routine wellness care, including certain vaccinations and check-ups. Most expensive plans due to extensive coverage.
Here are several popular pet insurance companies, but there are many more out there!
Like health pet owners charge for insurance for people, pay a premium or coverage. Pet insurance can provide peace of mind and help prevent the need to make difficult decisions due to financial constraints. It helps ensure you can afford the best care possible for your furry friend without breaking the bank.
Unlike human health insurance, pet owners don’t pay a copay at the time of service. Rather, most pet insurance plans require the pet owner to pay the veterinary balance due up front, then have you submit a claim for reimbursement depending on coverage. Since pet insurance isn’t hospital or clinic specific, you don’t have to worry about finding a provider in-network like you might with human health insurance.
While pet insurance is not feasible for everyone, there are other alternative options to help finance medical costs. Depending on the veterinary clinic or hospital, different options may be available to clients. Among these, CareCredit and ScratchPay are very well-known, popular options for breaking the total cost into smaller monthly payments. Soft credit checks are required to be approved.
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Animal Works Veterinary Surgery
Fort Collins
970-694-2625