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Common Pet Insurance Questions
Pet Insurance is Becoming More Common
Pet Insurance is Becoming More Common
Statistics show that pet health insurance is becoming increasingly popular in the United States. The number of American pets covered by pet health insurance has been increasing at an average annual growth rate of 22.1% over the past five years.1 Still, the vast majority of pets are uninsured, and every year, some are euthanized simply because their owners can't afford the cost of medical care.2
Insurance is about protecting yourself from unexpected financial costs. No one wants to be faced with skipping an essential treatment or, worst case, euthanizing your pet because you cannot afford veterinary care. Pet insurance is about protecting you and your pet when they become sick or injured. These are situations you cannot plan for in advance.
Pet Insurance Questions to Ask
Most pet health insurance plans have a few basics in common. When purchasing a plan, you usually select a reimbursement level and deductible, you can go to any veterinarian you choose, you pay your vet first, file a claim and then get reimbursed, and pre-existing conditions and related treatments are not covered. Experimental treatments, wellness exams, and cosmetic surgery like declawing and tail docking are also typically not covered.
You should ask a few important questions when researching pet insurance so you know what to expect.
- Are there limits or caps on your claims? This is an important question because you want to protect yourself financially while giving your pet the best medical care available. If a pet insurance plan only covers 50% of your veterinary bill because of a per-condition cap or benefit schedule restriction, you may find yourself with a large bill to pay.
- Is emergency care part of my coverage? Because emergency animal hospitals are open 24/7, they may charge more for treatment than your preferred veterinarian. Not all plans cover this key service, or they may limit the payout.
- How are claim payments determined? Look for a pet insurance plan that pays based on your actual veterinary bill, not based on a pre-determined benefit schedule or usual and customary charges for that service. You'll get the highest reimbursement when your pet insurance plan pays on your actual bill.
- What is insured? Find a pet insurance plan that is easy to understand. It's especially important to ensure all hereditary and congenital conditions are covered as these are often quite expensive treatments.
- What is excluded? Pet insurance exclusions can vary depending on the policy chosen. Pre-existing conditions are a common exclusion, but from there, you should research to ensure you know what else is excluded.
Healthy Paws - Customers Rate Us #1*
Healthy Paws offers a pet insurance plan with coverage for injuries, illnesses, genetic conditions, and emergency care. The plan is simple to understand. If it's a new accident or illness, and not a pre-existing condition, your veterinary bill is eligible for coverage. Learn more about plan coverage on our Frequently Asked Questions page.
The Healthy Paws plan pays based on your actual veterinary bill, covers hereditary and congenital conditions, and has no maximum limits on claim payouts; no per incident, annual or lifetime caps.
Our commitment to our customers is to provide unparalleled service and support, and access to one of the best pet insurance plans in the country. We are grateful to our pet-passionate customers for sharing their love of the plan and service by rating us #1 at Pet Insurance Quotes. At Healthy Paws, everything we do is driven from our love of animals and our commitment to pet health.
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