Common Questions About Pet Insurance Answered

Pet insurance operates like health insurance for your pet, reimbursing costs for unexpected injuries and illnesses. It's available for various pets, including dogs, cats, birds, and reptiles. However, many pet owners in the United States don't know much about pet insurance, so they don't use it. Learn about how pet insurance can offer you not only financial protection, but also peace of mind.

1. What does pet insurance cover?

   Pet insurance covers a range of expenses related to your pet's health and well-being. According to ASPCA Pet Health Insurance, here's what it typically includes:
   
   
   • Accidents: Coverage for injuries such as bite wounds, cuts, broken bones, swallowed objects, and toxic ingestions.
   • Illnesses: If your pet unexpectedly gets sick, the insurance can cover the vet bills for treatment.
   • Diagnostic Tests: Coverage may include tests to help the vet figure out what's wrong with your pet's health.
   • Medicine: If the vet prescribes medication for your pet, the insurance can help cover the cost.
   • Hospitalization: If your pet needs to stay in the hospital because they're sick or injured, coverage can help pay for it.
   • Routine Exams: Some insurance plans may cover regular check-ups and preventive care for your pet's health.

2. Can I choose any veterinarian?

   With most pet insurance plans, you can choose your vet, including specialists and emergency care providers. This gives you the freedom to select the healthcare providers that suit your pet's needs and your preferences.

3. How much is pet insurance?

   The cost of pet insurance varies depending on factors such as your pet's age, breed, coverage type, your insurance provider, and where you live. On average, you can expect to pay between $20 and $50 per month for accident and illness coverage. However, premiums can be higher for comprehensive plans or for pets with pre-existing conditions.

4. What kind of coverage should I get?

   The type of coverage you get depends on your pet's needs and your financial situation:
   
   • Comprehensive Insurance Plan: Good if you want coverage for accidents, illnesses, surgeries, and medical conditions. This plan covers more things but costs more.
   • Pet Health Discount Plan: Good if you want preventive care like check-ups, vaccinations, and dental cleanings. It provides discounts on regular vet services but might not cover big emergencies or major medical needs.
     
     Decide based on factors such as your pet's breed, age, health history, and your budget. Consider your pet's potential health issues and the level of coverage you're comfortable with.

5. Will my pet insurance provider pay the veterinarian directly?

   Some pet insurance providers offer the option to pay the veterinarian directly for services. Companies like Healthy Paws, Pets Best, Trupanion, and others provide direct payment options, simplifying the claims process for you and veterinarians. This eliminates you needing to pay out of pocket and then wait for reimbursement from your insurance provider.
   
   Before buying, compare policy costs, reimbursement rates, and review policy details, including coverage for pre-existing conditions.