When you have a pet, there are many things you can do to make sure you are prepared for medical emergencies. Pet insurance is one such thing. You can avoid having to withdraw funds from your emergency savings account. 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. A pet insurance policy could help you avoid needing to draw on your family's emergency savings when you are in need of medical treatment.
There are many MA pet insurance providers that offer insurance. Prices for a policy will vary by state. It will depend on how old your pet is and what coverage you need. Most policies cover injuries and illnesses, but they also may provide after-death damages.
Some insurance companies offer additional coverage for wellness. The wellness coverage covers routine checkups, dentistry cleanings, as well as flea, tick and heartworm treatment. Not all insurance companies offer this level of coverage. It is important that you read all the fine print before making any decisions.
While some insurers will cover 100% of your vet bills once you have met your deductible, others will only reimburse 70/30 or 80/20. Consider signing up for a plan offering a higher rate of reimbursement if your vet bill is large.
Many MA pet insurance companies will offer free quotes. They will also need basic information, such as the breed, age and pedigree of your pet. Once you have provided these details, you'll receive a quote. A free quote will give you an idea of how much you can expect to pay for a policy.
Many MA pet insurance MA companies offer optional add-ons such as lost and burial coverage. An accident-only policy provides coverage for dental and surgical expenses.
GEICO / Embrace, for example, will provide a free medical history review to help you choose the right policy. This will help you determine if your pet has pre-existing conditions, which will be excluded from most pet insurance plans.
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 doesn't offer a separate wellness plan, so you will need to find another company if your preference is for wellness care.
Some companies will even reimburse you for all your vet's expenses. 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.