There are many things you should do when you own a pet to make sure they are ready for anything. Pet insurance is one way to do that. This can help prevent you from having to use funds from your emergency savings account, which is something you do not want to do. You should always be aware of your policy's limits and deductible, and consider supplementary fees.
Pet insurance can help you save lots of money in the event that your dog or cat becomes ill or is injured. A recent study revealed that in 2016, the average cost for veterinary care in the United States for cats and dogs was $15 billion. Having a pet insurance policy can help you avoid having to dip into your family's emergency fund when it comes time to pay for medical treatment.
You can purchase insurance for your pets from several different pet insurance MA providers. The cost of a policy will depend on whether your pet is over age or if you are looking for specific coverage. Most policies cover injuries and illnesses, but they also may provide after-death damages.
Some insurance companies offer additional coverage for wellness. Wellness coverage includes routine checkups and dental cleanings. It also covers flea, tick, or heartworm treatments. Some insurance companies may not offer this coverage. It is important that you read all the fine print before making any decisions.
Some insurers will pay 100% of your vet bill once you reach your deductible. Others will reimburse 70%, 30%, or 20%. A higher reimbursement rate is recommended for large vet bills.
Many MA pet insurance companies will offer free quotes. They will also require some basic information about your pet, including its breed, age, and pedigree. After providing these details, you will be given a quote. You will receive a free quote that will let you know how much you can afford to purchase a policy.
Many MA pet insurance MA companies offer optional add-ons such as lost and burial coverage. Another option is to get an accident-only insurance policy. This provides coverage for medical bills, dental, and surgery.
For example, GEICO / Embrace will give you a free medical history review when you sign up for a policy. This will help you determine if your pet has pre-existing conditions, which will be excluded from most pet insurance plans.
If you are unhappy with your policy, Embrace will refund your money. You can return your policy within 30 days for a full refund. Embrace is not able to offer a separate health policy. If you are interested in wellness care, you will have to look for another company.
Some companies will also reimburse all expenses incurred by your veterinarian. Some insurers have a higher minimum deductible so you will need to pay more when you file a claim.