When it comes to caring for our pets, we might be getting a little extreme. We want to take them on vacation with us, on road trips, and feed them the best foods we can afford. But when it comes to their health, we might be missing a crucial step. Pets need insurance too, to cover the unforeseen costs of their health care.
Pet insurance covers things like medical costs for treatments even for illnesses, injuries that are unexpected, give better coverage, and are more flexible. Most of the insurance covers illnesses and injuries to some degree but is comprehensive in cover.
1. What coverage includes
Pet insurance coverage includes unexpected illness, injury, behavioral therapy, alternative therapy, surgery, rehabilitation, dental disease, dental injury, cancer treatments, prescription medications, ultrasound, cat scan, MRI, imaging, diagnostic treatments, veterinary exams, illnesses, accidents and injuries, boarding kennel fees, and much more. However, pre-existing conditions are not covered. If there was a cured condition and remains symptom free for a long period, it may be eligible for coverage if the symptoms return. Routine and wellness care is not provided coverage these may include neutering, spaying, vaccines, flea and tick protection, and teeth cleaning. Elective procedures like claw removal, ear cropping, tail docking are not eligible for cover and regarded as medically not necessary. Liability coverage is for when a pet causes damage to property and person. This is not covered in the insurance.
2. Submitting a claim
Pet insurance allows you to visit the vet of your choice, so you can have your peace of mind. A claim is done in three easy steps:
3. Factors affecting plan price
With the insurance in place, you can protect your pet as well as your budget. You can build an insurance plan price with the help of the following factors:
4. Research insurance companies
You can choose an insurer by asking a big question while researching companies – how much is the pet insurance? You need to know the annual premium for an accident and illness but you should know which would be the best one for your pet. You can compare the premium of each provider but which is best for your pet’s health.
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