Yes, you read it right. Pet insurance, this policy is for Paw parents, for those who treat their pets as a family member. This policy offers medical as well as financial protection to their furry family members.
Benefits Of Pet Insurance
This policy offers best protection to your pets against risks such as illness, injury and more. This also covers compensating a third party in case your pets bites or injures them. These insurance covers accident or illness care.
Types of Pet Insurance
There are three types of pet insurance – accident and illness, accident only
and wellness plans for routine care.
1) Accident and illness plan –
It is the most commonly purchased pet policy. It covers comprehensive
coverage for pet illness and injuries, reimbursing you for unexempted vet
bills after your pet has received covered medical treatment.
What it covers:
● Accidents including if pet swallows a foreign objects, break a bone or
is involved in car accident
● Breed-specific conditions and genetic conditions, like a Labrador
developing bloat, epilepsy or hypothyroidism.
● Cancer treatments
● Diagnostic tests, like biopsies, urinalysis and non-routine fecal exams.
● Emergency care at vet hospital
● Hospitalization and surgery
● Prescription medication
● Sickness, including pneumonia, vomiting and diarrhoea
What it doesn’t cover:
● Breeding , pregnancy and whelping
● Cosmetic procedures
● DNA testing
● Injuries resulting from cruelty, neglect and fighting
● Pre-existing medical issues that occur before policy periods ends
● Preventive care, like routine dental care, vaccinations or neuter
surgery
2) Accident-only plan –
This plan only covers the cost of veterinary care of accidental injuries but
excludes illness coverage. It is a good fit for owners searching for affordable
coverage or for dogs or cats that don’t qualify because of age or health limit.
What it covers:
● Car accidents.
● Cuts or wounds.
● Fractured or broken bones.
● Ingesting foreign objects.
● Poisoning.
● Prescription drugs for covered conditions.
What it doesn’t cover:
● Breed-specific conditions.
● Cancer.
● Congenital conditions.
● Chronic conditions.
● Dental illness.
● Genetic conditions.
● Pre-existing health conditions.
● Routine care expenses.
3) Pet wellness plan –
It is preventive care add-on help offset your out of expenses for medical
services that is not covered by pet insurance policies
What it covers:
● Blood, fecal and parasite tests.
● Deworming.
● Flea, tick and heartworm prevention.
● Heartworm test or FeLV screen.
● Microchipping.
● Physical exams.
● Rabies.
● Routine expression of the glands.
● Spay/neuter.
● Teeth cleaning.
● Urinalysis or ERD.
● Vaccinations or titers.
What it doesn’t cover:
● Accidents.
● Illnesses.
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