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 can help prevent you from having to use funds from your emergency savings account, which is something you do not want to do. Consider supplementary fees and be aware of the limits and deductibles on your policy.
Pet insurance can help you save lots of money in the event that your dog or cat becomes ill or is injured. 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 will help you to avoid the need to tap into your family's emergency fund to pay for treatment.
Many pet insurance MA providers offer insurance policies for pets. Prices for a policy will vary by state. It will depend on how old your pet is and what coverage you need. Most policies cover injuries and illnesses, but they also may provide after-death damages.
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. Some insurance companies may not offer this coverage. It is important to read the fine print so that you can make informed decisions about your pet's health and financial situation.
Some insurers will reimburse 100% of your vet bill after you reach your deductible, while others will have a 70/30 or 80/20 reimbursement structure. If you have a large vet bill, you should consider signing up for a plan that has a higher reimbursement rate.
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 providing these details, you will be given a quote. The free quote will provide you with an estimate of how much you should expect to pay for your policy.
Many MA pet insurance MA companies offer optional add-ons such as lost and burial coverage. Another option is to get an accident-only insurance policy. This provides coverage for medical bills, dental, and surgery.
GEICO / Embrace for instance will offer you a free health history review when you sign-up for a policy. This will help determine if your pet may have pre-existing health conditions.
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. But Embrace does not offer a separate wellness policy, so you'll need to choose another company if you want wellness care.
Some companies will also reimburse all expenses incurred by your veterinarian. The deductible for other insurers may be higher, so you will be responsible for more of the costs if you need to file an insurance claim.