How much is pet insurance?

Your pet insurance cost will depend on several factors. Your deductible, reimbursement level, and annual limit will determine your monthly premium. You may qualify for discounts, like a multipet discount when you insure more than one pet. Some companies also offer discounts for being in the military or having your pet spayed or neutered.

When should you buy pet insurance?

It’s generally best to get pet medical insurance when your pet is young. Insurance policies are typically cheaper for more youthful pets since they have a lower risk of developing expensive conditions. Plus, most insurance plans don’t cover preexisting conditions, so getting insurance before your pet gets sick is key.

Is pet insurance accepted everywhere?

Most pet insurers accept bills from any licensed veterinarian. The vet’s office is usually not involved in the insurance process, aside from providing you with a receipt. Since pet insurance is reimbursement-based, you’ll pay out of pocket for care. Then, you just attach the vet bill, regardless of which clinic it’s from, to your claim for reimbursement.

What are the limitations of pet insurance policies?

Even the best-rated pet insurance companies have limits on what they cover. Pet insurance policies don’t cover cosmetic procedures, breeding costs, boarding costs, or pre-existing conditions. They won’t reimburse you for any bills that you received prior to getting the insurance policy. Since each policy is different, it’s important to thoroughly read the terms so you know what to expect.

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