Pets are one of the highlights of life, bringing joy and comfort to all animal lovers. But pets are also a big responsibility, and there is a lot that can happen to an animal. They’re living beings just like humans with organs, immune systems and the ability to get sick. So, when your pet does get sick, you want to make sure you can get them the help they need.
What Does Pet Insurance Cover?
Typically, a stand-alone pet insurance policy may cover:
- Routine office visits
- Dental cleanings
- Hereditary issues
- Flea and tick preventatives
You can also receive homeowner’s pet liability insurance through your homeowner’s insurance, which may help cover for property damage or bodily injury done by your pet.
Does Pet Insurance Cover Pre-Existing Conditions?
Unfortunately, most pet insurance does not cover pre-existing conditions. It may, however, cover hereditary issues and congenital heart conditions.
Can I Use Pet Insurance as a Replacement for My Vet Health Plan?
Pet insurance is not a replacement for veterinary service. Pet insurance is for assistance with medical bills when issues arise or for liability concerns. Always go to your veterinarian if your animal is having trouble.
Do I Need Pet Insurance?
Pet insurance isn’t typically required for homeowners. If you’re living in an apartment or renting a space, most renters insurance offers pet liability. This doesn’t cover the medical bills if your pet gets sick, however. Medical bills are expensive for humans and there’s no exception for your furry friends. For your dog, you may be paying around $44.45 a month for pet insurance. Compare that to paying $149.30 if your dog has an ear infection, $385.46 if your dog has an upset stomach or $617.17 if your dog has bladder issues. These are common issues found in dogs and just their office visit alone can cost $100 or more.
How Are Pet Insurance Premiums Calculated?
Typically, insurance companies will look at your pet’s:
· Age: Older dogs may cost more to insure.
· Breed: Certain breeds like Golden Retrievers are susceptible to hip dysplasia while Shi Tzus have bowed legs that often need surgery to fix. A breed with a tendency for medical issues may cost more to insure.
· Species: Some animals are a higher risk. For example, dogs are more likely to have an accident than an indoor cat.
Call up your agent today and discuss the possible pet coverages to keep your furry best friend safe.
Also Read: Can Pet Insurance Cover Antibiotics?