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 of these things. This will help you avoid spending funds from your emergency savings accounts, which you don't want to do. You should always be aware of your policy's limits and deductible, and consider supplementary fees.
If your cat or dog becomes sick or injured, pet insurance can help you save a lot of money. A recent study revealed that in 2016, the average cost for veterinary care in the United States for cats and dogs was $15 billion. 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. Prices for policies can vary by state and depend on your pet's age and how much 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 includes routine checkups and dental cleanings. It also covers flea, tick, or heartworm treatments. However, not all insurance companies will provide this level of cover. You should read the fine print carefully and make your own decision based on your pet’s health and 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. A higher reimbursement rate is recommended for large vet bills.
Many MA pet insurance providers will provide free quotes. You will need to provide basic information about your pet including its breed, age and pedigree. After you submit these details, you will get a free quote. You will receive a free quote that will let you know how much you can afford to purchase 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 let you know if your pet has any pre-existing medical conditions that will affect their ability to be covered by most pet insurance plans.
If you're not happy with your policy from Embrace, you can get a refund. To get a full refund, you may return your policy within 30 calendar days. Embrace doesn't offer a separate wellness plan, so you will need to find another company if your preference is for 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.