When I walk into an exam room, I am prepared for most questions. Flea prevention? Recommended vaccines? No problem. Pet insurance? That's another topic... I decided to dig in and educate myself (and share with you what I have learned).
Think of pet insurance like you do with human health insurance. We invest in it because we care about our health and to make sure we're covered in case something catastrophic happens. Pet insurance was created to help soften the hit from an unexpected and/or costly event. Common examples include emergencies (foreign body surgeries, bone fractures, bloat, urethral blockage), chronic diseases (cancer, diabetes mellitus, chronic renal failure), and sudden, severe, acute disease (pancreatitis, leptospirosis, toxin ingestions). These unexpected pet health concerns can quickly add up with some over $5,000.
Several plans offer routine and wellness care, such as annual wellness exams, vaccines, and spay/neuter procedures. Much like human health insurance, many pet insurance plans have monthly premiums, a deductible, a copay, and maximum payout.
Pet insurance plans differ from human plans because payment is still issued when services are rendered and the pet insurance company reimburses you. Premiums range between $17.00 per month to $60. depending on the plan and other factors. Bottom line, the cost of pet insurance far outweighs the cost of even one emergency visit to a veterinary hospital. Because we value our clients and patients so much, as a courtesy, we even submit your insurance claims on your behalf.
When researching the best plan for you and your four legged family member, keep in mind you want good coverage, not just coverage. Common policy providers include Nationwide, Embrace, Trupanion, ASPCA, and PetPlan. Important components of your plan include:
1. Coverage for hereditary and congenital diseases. For example, Bulldogs are known to have entropion (a portion of the eyelid is folded inward and irritates the eye) and Maine Coons are known to have heart disease. Will these conditions be covered lifelong? If not, what are the stipulations?
2. Coverage for chronic disease AND continual coverage for chronic diseases. Some policies may cover an illness the year it is diagnosed, but will not cover this illness when it is time to renew your policy.
3. Coverage for cancer
4. Coverage for medical conditions common to your pet's breed
If you are thinking about pet insurance or you have any questions, please call and speak with anyone from our front desk team.