There are many things that you can do to ensure your pet is well-prepared for any medical emergency. Pet insurance is one way to do that. 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 will help you to avoid the need to tap into your family's emergency fund to pay for treatment.
Many pet insurance MA providers offer insurance policies for pets. The costs for a policy can vary from state to state, and will depend on the age of your pet and the amount of coverage you need. Most policies provide protection against illness and injuries, and they may also provide after-death compensation.
Some insurance companies offer additional coverage for wellness. Wellness coverage provides coverage for routine checkups, dental cleanings, and flea, tick, and heartworm treatments. However, not all insurance companies will provide this level of cover. It is important to check the fine print and make your own decisions based on your pet's health condition and your budget.
Some insurers will fully reimburse your vet bill if you meet your deductible. Others may have a 70/30 reimbursement structure or an 80/20 reimbursement structure. A higher reimbursement rate is recommended for large vet bills.
Many MA pet insurers will provide you with free quotes. They will also need basic information, such as the breed, age and pedigree of your pet. After you submit these details, you will get a free quote. A free quote will give you an idea of how much you can expect to pay for a policy.
Many pet insurance MA companies also offer optional add-ons, such as burial and 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 offers a free review of your medical history when you sign up to a policy. This will allow you to determine if your pet is suffering from pre-existing conditions.
Embrace also offers a money-back guarantee if you're dissatisfied with your policy. For a full refund, you can return your policy in 30 days. But Embrace does not offer a separate wellness policy, so you'll need to choose another company if you want wellness care.
Some companies will also reimburse all expenses incurred by your veterinarian. The deductible for other insurers may be higher, so you will be responsible for more of the costs if you need to file an insurance claim.