Affordable Pet Insurance
Ensure your pets receive the best care with comprehensive pet insurance. Covering accidents, illnesses, and routine check-ups, plans are designed to provide peace of mind and keep your furry friends healthy. Get a quote today!
What is Pet Health Insurance?
Pet health insurance helps cover certain medical expenses for your pet, providing peace of mind when your cat or dog faces an injury or serious health problem. Some plans even offer optional wellness coverage for routine and preventative care, ensuring comprehensive protection for your pet’s health.
Why Do You Need a Pet Insurance Policy?
Veterinary care can be expensive, especially with advanced treatments and diagnostic tests. Pet insurance can help you stay focused on caring for your sick pet without the added stress of financial concerns. By having a pet health insurance policy, you can ensure your furry friend receives the best possible care without breaking the bank.
What Does Pet Health Insurance Cover?
Pet health insurance can help cover the costs of unexpected illnesses or injuries, including:
- Accidents and treatments for illnesses and diseases
- Cancer treatments and chemotherapy services
- Surgery, hospitalization, and nursing care
- Lab work and diagnostic tests, including X-rays and MRIs
- Medications
- Genetic conditions
- Complementary therapies like acupuncture, chiropractic treatment, and hydrotherapy
- Chronic and recurring conditions, such as allergies, diabetes, and hyperthyroidism
You can also opt for an optional Wellness Rewards plan that provides reimbursement for routine care, including annual check-ups, vaccinations, dental cleanings, and more.
What’s Not Typically Covered?
While pet insurance offers valuable protection, some expenses are generally not covered. Common exclusions include:
- Cosmetic and elective procedures, such as tail docking, ear cropping, and declawing (unless medically necessary)
- Veterinary fees related to pregnancy, breeding, and whelping
- Orthodontic or endodontic procedures, like root canals or crowns
- Treatment for behavioral problems
- Vitamins, supplements, pet foods, and personal care items like shampoo or ear cleaner
- Pre-existing conditions, which are any injuries, illnesses, or irregularities noticed by you or your veterinarian before the end of the waiting period
Is My Pet Eligible for a Policy?
Your pet needs to be under the age of 14 to qualify for a new health insurance policy. If your pet is older or has received a diagnosis or shown symptoms of certain conditions like diabetes, Cushing’s disease, Addison’s disease, or FeLV/FIV, an accident-only plan may be available. Some conditions may be eligible for coverage if they are symptom and treatment-free for 12 months.
How Much Does Pet Insurance Cost?
Most pet owners pay between $30 and $50 per month for their pet health plan, depending on factors such as your pet’s age, species, breed, and location. Rates can be higher for dogs, older pets, or larger animals.
Is Pet Insurance Worth It?
Pet insurance is a convenient and cost-effective way to ensure your pet receives quality care. It offers financial protection against unexpected veterinary costs, making it a valuable investment in your pet’s health and well-being.
Important Information about Pet Health Insurance Plans
Pet health insurance provides coverage for certain medical expenses related to accidents and illnesses. Be sure to review your policy carefully to understand the coverage, exclusions, and limitations. Coverage availability and terms may vary by state.
Need Assistance? Our licensed pet insurance agents are here to help you navigate your options and find the right coverage for your needs.