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 prevent you from spending money from your emergency savings, which is not something you want to do. It is important to be aware of your policy's limits, deductible and any supplementary fees.
If your cat or dog becomes sick or injured, pet insurance can help you save a lot of money. A study in 2016 found that $15 billion was the average cost to treat a dog or cat in the United States. A pet insurance policy is a great way to save money on medical bills.
There are several MA providers of pet insurance that you can choose from to insure your pet. Prices for policies can vary by state and depend on your pet's age and how much coverage you need. Most policies provide protection against illness and injuries, and they may also provide after-death compensation.
Some pet insurance companies provide additional coverage for wellness. The wellness coverage covers routine checkups, dentistry cleanings, as well as flea, tick and heartworm treatment. This level of coverage is not offered by all insurance companies. It is important to check the fine print and make your own decisions based on your pet's health condition and your budget.
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 insurers will provide you with free quotes. They will require basic information such as your pet's breed, age, and pedigree. After you submit these details, you will get a free 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. You may also consider getting an accident-only policy, which provides coverage for emergency medical expenses, as well as dental and surgery.
GEICO / Embrace provides a free, comprehensive medical history review for policyholders. This will help determine if your pet may have pre-existing health conditions.
If you aren't satisfied with your policy or Embrace has a money back guarantee. You can return your policy within 30 days for a full refund. Embrace cannot offer a separate policy for wellness, so you will need another company to provide wellness care.
Some companies will even reimburse you for all your vet's expenses. Others insurers will have higher deductibles, which means you'll need to pay more to file a case.