What is Medical Insurance for pets?
Medical insurance for your pet is a program that you pay to cover some of the veterinary expenses your pet may need. There is usually a deductible which varies. Check out the various companies offering insurance at the end of this document.
What expenses does medical insurance cover?
Expenses which are often covered are:
- Emergency surgeries
- Medically necessary procedures
- Illness/ injury exams and treatments
- Wellness exams and routine annual care
- Spay and Neutering
How do I obtain medical insurance?
It’s simple! Research what company will best fit your Pet’s needs. Call them or visit their website to start the approval and registration process. Get your insurance exam scheduled through your veterinary office and bring any required exam information/paperwork needed to be completed by your vet from your insurance company to that appointment. Submit all materials to your insurance company and wait for approval.
What is the cost of medical insurance?
Best information of National averages can be found on: North American Pet Health Insurance Association. www.naphia.org.
What if my pet has a pre-existing disease?
In most cases preexisting conditions would not be covered. However, each insurance company has different policies regarding preexisting conditions. Reach out to them directly for more information.
What is the process of paying the invoice when I am at my veterinarians office?
Most companies will reimburse you after you have paid the veterinarian when you provide to the insurance company a copy of the paid invoice.
There are a few insurance companies that provide upfront payment at the time of checkout for the services covered by your pet’s insurance plan. The one company that works with our practice to provide this service is Trupanion. We are looking forward to working with more companies as pet insurance popularity grows.
We do not endorse any particular pet insurance as each of your pet’s situations and needs are different. Be sure to do thorough research to pick which one will work best for you and your pet.