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 option. This can prevent you from spending money from your emergency savings, which is not something you want to do. Make sure you are aware of your policy's limits.
If your cat or dog becomes sick or injured, pet insurance can help you save a lot of money. According to a study, the average cost of vet care for pets in the United States was $15 million in 2016. A pet insurance policy is a great way to save money on medical bills.
There are many MA pet insurance providers that offer insurance. 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 include protection against injuries and illness. Some may also offer after-death coverage.
Some pet insurance companies offer additional coverage to cover wellness care. Wellness coverage offers coverage for routine checks, dental cleanings, flea, tick, heartworm treatment, and regular checkups. This level of coverage is not offered by all insurance companies. It is important that you read all the fine print before making any decisions.
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 MA pet insurance companies will offer 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. Get a free quote to get an idea of the cost of a policy.
Some pet insurance MA companies provide optional add-ons like lost pet and burial coverage. Also, you might consider an accident-only policy which covers medical emergencies as well as surgery and dental care.
GEICO / Embrace for instance will offer you a free health history review when you sign-up for a policy. This will enable you to identify if your pet suffers from any pre-existing condition, which will then be excluded from most pet insurance plans.
If you are not satisfied with your policy, Embrace offers a full 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.
Some insurance companies will pay all costs incurred by your veterinarian. You will be required to pay more out of pocket if you have to file a claim with another insurer.