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 can help prevent you from having to use funds from your emergency savings account, which is something you do not want to do. You should always be aware of your policy's limits and deductible, and consider supplementary fees.
Pet insurance can help you save lots of money in the event that your dog or cat becomes ill or is injured. A 2016 study showed that pet insurance can save you a lot of money if your cat or dog is sick or injured. Having a pet insurance policy can help you avoid having to dip into your family's emergency fund when it comes time to pay for medical treatment.
You can purchase insurance for your pets from several different pet insurance MA providers. 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 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. It is important to review the fine print and make decisions based upon your pet's current health 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. You should sign up for a plan with a higher reimbursement rate if you have a large vet bills.
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. A free quote will be provided once you have completed these details. 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. Also, you might consider an accident-only policy which covers medical emergencies as well as surgery and dental care.
GEICO / Embrace offers a free review of your medical history when you sign up to a policy. This will help you determine if your pet has pre-existing conditions, which will be excluded from most pet insurance plans.
Embrace also offers a money-back guarantee if you're dissatisfied with your policy. Your policy can be returned within 30 days to receive a full reimbursement. Embrace does NOT offer a separate Wellness Policy. You will need to choose another company if wellness care is important to you.
Finally, some companies will reimburse all of your veterinarian's costs. You will be required to pay more out of pocket if you have to file a claim with another insurer.