Pet Health insurance policies have a number of options that cover a wide variety of medical expenses:
- Accidents / injury
- Illness
- Hospitalization
- Emergency vet visits
- Surgery
- Vaccinations
- Annual Physicals
- Flea prevention
- Dental trauma
- Some alternative therapies
Coverage for accidents and preventive care (if purchased) begins immediately on the plan’s effective date; illness and knee/ligament injuries have a 14-day waiting period.
Customers can choose from limits up to $15,000 with an annual deductible of $100, $250 or $500. Depending on the plan, eligible charges will be reimbursed at 70%, 80% or 90%. A package covering preventive care (with no deductible) is available for an additional cost. Coverage can be purchased for multiple pets; each will have their own separate policy and premium, and each additional pet qualifies the customer for a 10% discount.
Although premiums will increase as a covered pet gets older, a policy will never be cancelled or downgraded due to a pet’s age or health.
Pre-existing conditions, cosmetic procedures and/or costs associated with breeding or pregnancy are not covered; waiting periods may apply, and products and discounts are subject to change.
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