It's crucial to be clear about what's covered and not when purchasing pet insurance. Most plans focus on accidents and unexpected illnesses. These plans don't include pre-existing and preventative healthcare. You should consider purchasing a plan that includes wellness benefits to ensure you have the best coverage.
Comprehensive coverage
Comprehensive pet insurance coverage covers all medical expenses. Prescription medicines, eye and ear drops, and antibiotics are all covered. Pre-existing conditions may also be covered by some policies. It is important you know the details of your insurance policy, as well as which options are best for you and your pet.
Comprehensive pet insurance covers a wide range of conditions, including hereditary illnesses and diseases. You also get ongoing care, as well as diagnostic tests and treatments. Dental care is included up to a maximum amount of $1,000 per annum, and it covers treatments for genetic disorders as well. The coverage is renewed automatically once the pet has been covered by an insurance plan.
Exclusions for pre-existing conditions
When you are buying pet insurance for your dog it is essential to know what is covered. Some conditions that are pre-existing may be excluded. These include chronic and degenerative illnesses. You might exclude your dog from coverage for 12 month if it has chronic diarrhea.
While most pet insurance policies will not cover preexisting conditions or illnesses, there are exceptions. Some plans cover common diseases and conditions that are considered "preexisting". Many companies also provide coverage for genetic and/or hereditary conditions. These policies will differ from one insurer to another.
Co-insurance excess
You may have to pay an excess depending on the age and health of your pet. Some insurers require this, but others do not. Be sure to read your policy documents for any co-insurance clauses. A policy that doesn't require co-insurance is cheaper than one that does.
When comparing policies, be sure to consider the excess for each condition. While some policies have a maximum excess, others allow you to adjust it. It is also important to think about where you live and what age your pet is.
Annual deductible
Annual deductible pet insurance plans are ideal for budgeting and are flexible as you only have to meet the deductible once during the policy year. This means you can take your pet to the vet as many times as you need to. This means you don't have to worry that your pet will need to visit the vet every so often.
For pet insurance, you can also opt for a per incident deductible. This deductible applies only when you take your pet to the veterinarian. Each incident is considered a separate event. Per-incident, unlike annual deductibles. The per-incident cost deductible is more expensive than the annual one. This means that you might have to pay more if your pet has multiple injuries or illnesses.