There are many things you should do when you own a pet to make sure they are ready for anything. Pet insurance is one way to do that. This will help you avoid spending funds from your emergency savings accounts, which you don't want to do. Consider supplementary fees and be aware of the limits and deductibles on your policy.
Pet insurance can be a great way to save money on your pet's medical bills if they are injured or become ill. 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 can save you from having to dip into the family's emergency funds when it comes to paying for medical treatment.
You have the option to purchase insurance for your pet from many different MA pet insurance companies. Costs for pet insurance can vary between states. They will vary depending on the age of your pet, as well as the coverage you require. Most policies provide protection against illness and injuries, and they may also provide after-death compensation.
Some pet insurance companies will offer additional coverage for wellness care. Wellness coverage covers regular checkups, routine cleanings, heartworm treatments, and flea and tick treatment. 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. A higher reimbursement rate is recommended for large vet bills.
Many MA pet insurance companies will offer free quotes. They will require basic information such as your pet's breed, age, and pedigree. A free quote will be provided once you have completed these details. A free quote will allow you to see how much you could pay for a policy.
Many MA pet insurance MA companies also offer optional additions such as burial and loss pet 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 allow you to determine if your pet is suffering from pre-existing conditions.
If you aren't satisfied with your policy or Embrace has a money back guarantee. 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.
You may also be reimbursed by some companies for the entire cost of your veterinarian's visit. 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.