Pet Insurance

🐾Frequently Asked Questions

Q1. What is pet insurance?
👉 Pet insurance helps cover veterinary costs such as exams, surgery, and medications if your dog, cat, or other pet becomes sick or injured. It reduces unexpected medical expenses and ensures your pet receives the care they need.

Q2. What does it cover?
👉 Coverage varies by insurer and plan, but typically includes:

Treatment for illnesses
Surgery and hospitalization due to accidents
Emergency care
Prescription medications
Some plans may also offer options for vaccinations, routine check-ups, dental, and eye care

Q3. How are premiums determined?
👉 Premiums depend on factors such as:

Type of pet (dog, cat, etc.)
Age and breed
Health condition and medical history
Coverage level and deductible

Q4. Is there an age limit for enrollment?
👉 Yes, eligibility and age limits differ by insurance company.

Q5. Can I enroll if my pet already has a condition?
👉 Most pet insurance policies exclude pre-existing conditions, but they do cover new illnesses or accidents that occur after enrollment.

Q6. What are the coverage limits?
👉 Limits may be set as annual, per-incident, or lifetime caps.
👉 Depending on the plan, coverage can range from $5,000 per year to unlimited.

Q7. What is a deductible?
👉 A deductible is the amount you must pay before insurance coverage applies.
Example: With a $200 deductible, if your vet bill is $1,000, the insurer reimburses $800.

Q8. How do I file a claim?

Pay the vet bill upfront after treatment
Submit the receipt and medical report
The insurer reviews and reimburses eligible costs

Q9. Is dental or eye care included?
👉 Often not included in basic coverage. However, add-ons may be available for dental, eye care, and preventive services.