There are many things that you can do to ensure your pet is well-prepared for any medical emergency. Pet insurance is one of these things. This can prevent you from spending money from your emergency savings, which is not something you want to do. Consider supplementary fees and be aware of the limits and deductibles on your policy.
Pet insurance can save you money if your pet is sick or hurt. A study in 2016 found that $15 billion was the average cost to treat a dog or cat in the United States. 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 pet insurance companies provide additional coverage for wellness. Wellness coverage offers coverage for routine checks, dental cleanings, flea, tick, heartworm treatment, and regular checkups. Some insurance companies may not offer this coverage. It is important to review the fine print and make decisions based upon your pet's current health 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. Consider signing up to a plan that offers a higher reimbursement percentage if you have an expensive vet bill.
Many pet insurance MA providers will give you free quotes. They will also need basic information, such as the breed, age and pedigree of your pet. A free quote will be provided once you have completed these details. Get a free quote to get an idea of the cost of 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.
GEICO / Embrace provides a free, comprehensive medical history review for policyholders. This will help determine if your pet may have pre-existing health conditions.
If you're not happy with your policy from Embrace, you can get a refund. You can return your policy within 30 days for a full refund. Embrace cannot offer a separate policy for wellness, so you will need another company to provide wellness care.
Finally, some companies will reimburse all of your veterinarian's costs. Some insurers have a higher minimum deductible so you will need to pay more when you file a claim.