Questions to Ask When Considering Which Pet Health Insurance to Buy

We all love our pets and many consider their pets to be their furry children. When they get sick we want to be able to take care of them properly. With technological advances in veterinary medicine, much more is available now in both diagnostics and treatment. Procedures such as MRI's, CAT scans, chemotherapy, and radiation treatment are all common but they can be quite expensive. Many people are now considering pet health insurance to help with the costs. It is important to ask the correct questions when interviewing companies that offer this insurance, so you know what you're getting.

Pet health insurance is different from "human" health insurance in the way that with pets, the doctor is paid first and then the pet owner is reimbursed by the insurance company. There are several companies offering pet health insurance in the United States and they differ in their policies. Other companies offer pet insurance in other countries. Some companies offer different levels of care. There basic plans that cover accidents and illness, as well as premium plans that cover all aspects of health and wellness.

Most plans do not cover pre-existing illnesses, and this may be important in how other symptoms are covered by your plan. If your pet, for instance, has an ear infection in its history, ask if in the future the pet is diagnosed with an allergy, but with other symptoms, if that will be covered. An ear infection is often caused by an allergy. If your cat has been treated in the past for vomiting, and is later diagnosed with another disease that can cause vomiting such as IBD or kidney disease, will that be covered?

Another issue with the pre-existing clause is that it is important to ask if your pet is evaluated for coverage when first obtaining the insurance, or with each renewal. For instance, if after you get the insurance, it pays for treating your dog's ear infection, will another ear infection treatment be covered next year?

Many plans do not cover "genetic" diseases. With advances in DNA studies, veterinary medicine is discovering more and more diseases are genetic based. It is important to ask what diseases they consider to be genetic for the breed that you own.

Some policies cover only up to a certain age of your pet. Some do not cover prescription drugs or dental disease. Others have a yearly or lifetime dollar limit.

Most companies have a deductible and then pay a percentage of the bill, usually 80% to 90%. Some companies have a set dollar reimbursement for each problem or procedure.

Another consideration is whether to obtain a basic or premium plan. It is important to compare the costs of each option. In many cases, it may be more prudent to purchase the basic coverage.

A small percentage of pets are covered by health insurance at the present time but this is expected to change in the near future. More than 1600 companies, including Google and Office Depot, offer pet health insurance as an optional employee benefit.

Contact Us Today to Set Up an Appointment!

Office Hours

Our Regular Schedule

Monday:

8 am

5 pm

Tuesday:

8 am

5 pm

Wednesday:

8 am - 5 pm

6:30 - 8 pm

Thursday:

8 am

5 pm

Friday:

8 am

5 pm

Saturday:

10 am

12 pm

Sunday:

Closed

Closed

Location

Find us on the map

Testimonial

Read What Our Client Say

  • "My pets have been going to the Bridgetown Animal Hospital for over 20 years for all of their healthcare needs. From routine checkups to emergency situations, I have always been very impressed by the compassion, patience and professionalism that my family- both human and animal- have received from the staff at BAH."
    Geraldine B. / Bridgetown, Nova Scotia

Featured Articles

Read about interesting topics

  • Lost Pets

    Has your pet wriggled their way through the fence or dashed out the front door? When searching for your lost pet, make sure you include these steps in your hunt. ...

    Read More
  • Should You Leave Your Cat Alone for a Long Weekend?

    So you have a trip planned for the weekend, but what should you do with your cat? Learn how to best care for your cat while you're away. ...

    Read More
  • Flea and Tick Season

    Want to protect your pet from fleas and ticks? These tips can help. ...

    Read More
  • Summer Grooming Tips

    Want to keep your pet cool and comfortable this summer? A few changes to your normal grooming routine can help. ...

    Read More
  • What to Do If Your Pet is Stung

    Don't get us wrong, we love the bees! But we don't love when our pets get stung. Follow our tips to treat and prevent bee stings on your furry best friend. ...

    Read More
  • Tips for Traveling With Your Pet

    Do you dread hitting the road with your pet? These tips may make the trip more comfortable and enjoyable for you both. ...

    Read More
  • 6 Questions to Ask At Your Senior Pet's Next Check Up

    Want to keep your senior pet healthy and happy? Ask these six questions at your pet's next check up. ...

    Read More
  • Why the Controversy About Pet Vaccinations?

    As with anything, pet vaccinations can be too much of a good thing. Similar to parents who are learning more about vaccinations for children, veterinarians and pet owners alike are beginning to question some of the standard wisdom when it comes to protecting pets. There are certain fatal diseases against ...

    Read More
  • Pet Clothes: A Fashion Statement or a Necessity?

    There is nothing cuter than a pet in a colorful sweater, but do our furry friends really need to wear clothing? Although clothing is not a necessity for every pet, some animals benefit from a little extra protection during cold or damp days. Others enjoy wearing festive clothing during holidays or other ...

    Read More
  • Introducing a New Pet to Your Current Ones

    Pet Proofing Your Home Introducing your new pet to your current one is only a single part of the equation relating to taking a new pet home. You also have to make sure your new pet is comfortable in your home, which is a foreign environment to the animal. Like humans, animals can experience high levels ...

    Read More

Newsletter Signup

Sign up for more articles