There are many ways to ensure that your pet is safe and well taken care of in case of an emergency. Pet insurance is one option. This can help prevent you from having to use funds from your emergency savings account, which is something you do not want to do. It is important to be aware of your policy's limits, deductible and any supplementary fees.
Pet insurance can save you money if your pet is sick or hurt. In fact, a recent study found that the average cost of veterinary care for dogs and cats in the United States was $15 billion in 2016. A pet insurance policy is a great way to save money on medical bills.
You can purchase insurance for your pets from several different pet insurance MA providers. The cost of a policy will depend on whether your pet is over age or if you are looking for specific coverage. Most policies provide protection against illness and injuries, and they may also provide after-death compensation.
Some pet insurance companies may offer additional coverage for wellbeing care. Wellness coverage covers regular checkups, routine cleanings, heartworm treatments, and flea and tick treatment. Some insurance companies may not offer this coverage. You should read the fine print carefully and make your own decision based on your pet’s health and budget.
Some insurers will pay 100% of your vet bill once you reach your deductible. Others will reimburse 70%, 30%, or 20%. Consider signing up for a plan offering a higher rate of reimbursement if your vet bill is large.
Many MA pet insurance providers will provide free quotes. They will also ask for basic information about your pet such as its breed, history, and pedigree. Once you have submitted these details, you will receive a free quote. A free quote will give you an idea of how much you can expect to pay for a policy.
Some pet insurance MA companies provide optional add-ons like lost pet and burial coverage. Another option is to get an accident-only insurance policy. This provides coverage for medical bills, dental, and surgery.
For example, GEICO / Embrace will give you a free medical 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 are not satisfied with your policy, Embrace offers a full refund. Your policy can be returned within 30 days to receive a full reimbursement. Embrace doesn't offer a separate wellness plan, so you will need to find another company if your preference is for wellness care.
Finally, some companies will reimburse all of your veterinarian's costs. Others insurers will have higher deductibles, which means you'll need to pay more to file a case.