Frequently Asked Questions

Pet Insurance is a health care insurance policy for your pet.  Generally, it will reimburse for specific health expenses that are covered by the policy. Pet insurance is a protection that offers peace of mind for pet owners. It’s like a safety net, helping to relieve the financial concerns that come with owning a furry friend. Whether it’s unexpected medical treatments or routine preventive services, pet insurance has got you covered!

Here are some factors to keep in mind that may not be covered by your pet insurance plan:

• Pre-existing conditions: Any health issues or conditions that your pet had before getting the insurance.
• Preventive services: If you haven’t chosen a preventive endorsement, some preventive care services may not be covered.
• Dietary care: Expenses related to specialized diets or nutritional supplements.
• Grooming: Routine grooming services like baths or haircuts.
• Elective and/or cosmetic procedures: Procedures that are not medically necessary, such as cosmetic surgeries.
• Breeding costs: Expenses related to breeding, including reproductive treatments.
• Experimental and/or holistic treatments: Treatments that are not proven or accepted by traditional veterinary practices.
• Please note that specific coverage can vary depending on the insurance plan. It’s always a good idea to carefully review your policy to fully understand what is included and excluded.

Pet insurance takes away the uncertainty about facing large medical bills for your pet. With today’s veterinary costs, many pet owners cannot afford to pay for an extended illness, a chronic condition or an unexpected accident. Don’t be faced with having to choose between your pet’s health and financial hardship.

In most cases, there is a waiting period before your pet coverage kicks in. The amount varies between plans and insurers.

Most pet insurance plans have an annual deductible. This is the amount you’ll have to pay while your plan takes care of the rest up to your percentage limits. Once you meet your deductible for the year, your plan will pay your costs based on a reimbursement percentage.

Different pet insurance companies offer a variety of percentage reimbursement options. Your cost will be partially based on the percentage you select. For example, if you select to receive 90% of your costs back after your insurance deductible is met, your premium will be higher than if you select a lower percentage amount.