There are many ways to ensure that your pet is safe and well taken care of in case of an emergency. One of those things is pet insurance. 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.
Pet insurance can be a great way to save money on your pet's medical bills if they are injured or become ill. A recent study revealed that in 2016, the average cost for veterinary care in the United States for cats and dogs was $15 billion. A pet insurance policy could help you avoid needing to draw on your family's emergency savings when you are in need of medical treatment.
You have the option to purchase insurance for your pet from many different MA pet insurance companies. The cost of a policy will depend on whether your pet is over age or if you are looking for specific coverage. Most policies include protection against injuries and illness. Some may also offer after-death coverage.
Some insurance companies offer additional coverage for wellness. Wellness coverage offers coverage for routine checks, dental cleanings, flea, tick, heartworm treatment, and regular checkups. 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 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 companies will offer free quotes. They will also need basic information, such as the breed, age and pedigree of your pet. After providing these details, you will be given a quote. A free quote will give you an idea of how much you can expect to pay for a policy.
Many pet insurance MA companies also offer optional add-ons, such as burial and lost 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 help you determine if your pet has pre-existing conditions, which will be excluded from most pet insurance plans.
If you are not satisfied with your policy, Embrace offers a full refund. To get a full refund, you may return your policy within 30 calendar days. 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 even reimburse you for all your vet's expenses. 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.