Over the years, veterinary medicine has become more technologically advanced and the costs of care have risen. One way pet owners can help with veterinary care costs is by purchasing pet insurance. Pet insurance can be used to help offset the costs of veterinary care or most if not all of the costs of diagnosing and treating your pet’s illness or injury.
Pet insurance isn’t for everyone and there is no one-size-fits-all formula for figuring out if it’s right for you and your pet. If you are thinking about pet insurance you can talk with your veterinarian and do some basic research on the Internet.
Here are a few things to consider when looking for pet insurance:
- The insurance provider should clearly outline all the details.
- Ask about all limitations and exclusions of coverage for routine and/or wellness care as well as emergency treatments and conditions that require extensive care.
- Will there be any premium increases as your pet ages or if you make a claim?
- Are there add-on options for specific options, like dental care, orthopedics, chemotherapy, or rehab therapy?
- Find out how they handle or define pre-existing conditions
- Can you still get coverage if your pet has a pre-existing condition?
- Find out if the plan comes with limitations.
- Sometimes insurance providers will not insure specific breeds or pets and/or limit the number of pets you can insure.
- Do they offer a discount if you insure multiple pets?
- Find out if they require you to use a certain veterinarian (they shouldn't).
- If it's a reimbursement plan, ask your veterinarian about payment plans that will work for your particular situation.
- Most pet insurance plans are reimbursement plans - you pay the veterinarian up front and the insurance provider reimburses you. Ask the insurance provider how claims are processed and what the timeframe for reimbursement is.
Your veterinarian will be the best person to provide you with information and recommendations for pet insurance based on their experiences. But it is ultimately your decision to decide what is best for you based on your financial ability, your pet’s needs, and the insurance provider.
This is a list of different pet insurance companies that our office has had experience with for you to consider:
Please note that the Animal Hospital of Rye DOES NOT endorse or recommend any one provider over the other.
However, our veterinarians can provide you with recommendations based on your pet's specific health needs. Please give our office a call at (717) 957-3991.