There are many things you should do when you own a pet to make sure they are ready for anything. Pet insurance is one such thing. This can prevent you from spending money from your emergency savings, which is not something you want to do. Consider supplementary fees and be aware of the limits and deductibles on your policy.
Pet insurance can be a great way to save money on your pet's medical bills if they are injured or become ill. A study in 2016 found that $15 billion was the average cost to treat a dog or cat in the United States. A pet insurance policy will help you to avoid the need to tap into your family's emergency fund to pay for treatment.
You can purchase insurance for your pets from several different pet insurance MA providers. Prices for a policy will vary by state. It will depend on how old your pet is and what coverage you need. Most policies cover injuries and illnesses, but they also may provide after-death damages.
Some pet insurance companies will offer additional coverage for wellness care. Wellness coverage offers coverage for routine checks, dental cleanings, flea, tick, heartworm treatment, and regular checkups. But not all insurance companies provide this level coverage. You should read the fine print carefully and make your own decision based on your pet’s health and budget.
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. A higher reimbursement rate is recommended for large vet bills.
Many MA pet insurance providers will provide free quotes. 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. The free quote will provide you with an estimate of how much you should expect to pay for your policy.
Many MA pet insurance MA companies offer optional add-ons such as lost and burial 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 let you know if your pet has any pre-existing medical conditions that will affect their ability to be covered by most pet insurance plans.
If you're not happy with your policy from Embrace, you can get a refund. You can return your policy within 30 days for a full refund. Embrace doesn't offer a separate wellness plan, so you will need to find another company if your preference is for wellness care.
Finally, some companies will reimburse all of your veterinarian's costs. 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.