There are many things you could do to prepare for an emergency with your pet. One of those things is pet insurance. This can prevent you from spending money from your emergency savings, which is not something you want to do. It is important to be aware of your policy's limits, deductible and any supplementary fees.
Pet insurance can save you a lot of money if your dog or cat gets injured or ill. A recent study revealed that in 2016, the average cost for veterinary care in the United States for cats and dogs was $15 billion. A pet insurance policy can save you from having to dip into the family's emergency funds when it comes to paying for medical treatment.
You can purchase insurance for your pets from several different pet insurance MA providers. Prices for policies can vary by state and depend on your pet's age and how much coverage you need. Many policies offer protection against injury and illness, as well as after-death benefits.
Some pet insurance companies may offer additional coverage for wellbeing care. The wellness coverage covers routine checkups, dentistry cleanings, as well as flea, tick and heartworm treatment. However, not all insurance companies will provide this level of cover. It is important to review the fine print and make decisions based upon your pet's current health and your budget.
Some insurers will cover 100% after you reach the deductible. Other plans will offer a 70/30, 80/20 or 70% reimbursement. If you have a large vet bill, you should consider signing up for a plan that has a higher reimbursement rate.
Many MA insurance providers offer free quotes for pet insurance. 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. A free quote will allow you to see how much you could pay for a policy.
Many MA pet insurance companies offer optional extras like burial or lost pet coverage. You may also consider getting an accident-only policy, which provides coverage for emergency medical expenses, as well as dental and surgery.
GEICO / Embrace, for example, will provide a free medical history review to help you choose the right policy. This will let you know if your pet has any pre-existing medical conditions that will affect their ability to be covered by most pet insurance plans.
If you aren't satisfied with your policy or Embrace has a money back guarantee. You can return your policy within 30 days for a full refund. Embrace doesn't offer a separate wellness plan, so you will need to find another company if your preference is for wellness care.
Some insurance companies will pay all costs incurred by your veterinarian. You will be required to pay more out of pocket if you have to file a claim with another insurer.