There are many things you should do when you own a pet to make sure they are ready for anything. Pet insurance is one such thing. You can avoid having to withdraw funds from your emergency savings account. Be aware of your policy limits and deductible and consider additional 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 could help you avoid needing to draw on your family's emergency savings when you are in need of medical treatment.
You can purchase insurance for your pets from several different pet insurance MA providers. The costs for a policy can vary from state to state, and will depend on the age of your pet and the amount of coverage you need. 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 provides coverage for routine checkups, dental cleanings, and flea, tick, and heartworm treatments. Some insurance companies may not offer this coverage. You should read the fine print carefully and make your own decision based on your pet’s health and budget.
While some insurers will cover 100% of your vet bills once you have met your deductible, others will only reimburse 70/30 or 80/20. If you have a large vet bill, you should consider signing up for a plan that has a higher reimbursement rate.
Many MA pet insurance companies will offer 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. You will receive a free quote that will let you know how much you can afford to purchase a policy.
Many MA pet insurance MA companies offer optional add-ons such as lost and burial coverage. An accident-only policy provides coverage for dental and surgical expenses.
GEICO / Embrace, for example, will provide a free medical history review to help you choose the right policy. This will help determine if your pet may have pre-existing health conditions.
If you are not satisfied with your policy, Embrace offers a full refund. For a full refund, you can return your policy in 30 days. Embrace doesn't offer a separate wellness plan, so you will need to find another company if your preference is for wellness care.
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.