Written by Randon Morris | May 9, 2019
Today, most people around the world prefer getting a pet insurance policy for their pets. However, not everyone is aware of pet insurance and its benefits. When your pet is dealing with some illness or diseases and you cannot afford its treatment, pet insurance is the key. Hold on! It may seem exciting, but there are various things that you need to consider before taking pet insurance.
Let’s explore a few important things you should look for in a pet insurance policy with the expert Randon Morris.
When it comes to health insurance, you pay only the fixed out of the pocket amount, and the insurance company reimburses the physician for the balance. But when it comes to pet insurance, it works differently. You pay for the complete treatment, submit the claim and get a check for the covered portion, said by Randon Morris.
Pet insurance does not cover well-pet services, it only offers coverage for illnesses and injuries. When it comes to annual checkup-type services, which includes vaccines, dental cleanings, or heart-worm medications, it does not include in policy coverage.
However, you can opt for wellness plans, which are actually the opposite of pet insurance. Wellness plans do not cover illnesses or injuries but refund you a fixed amount of vaccines and few other well-pet services. According to Randon Morris, it is better if you add a wellness plan to your illness and injury policy for an additional fee.
In many policies, there is a waiting period, so your pet typically isn’t covered the day you enroll. You may find different gaps for various different kinds of coverage or conditions. For example, some policies may not cover claims for hip dysplasia, within the first year.
The chronic conditions like Cancer, Arthritis, Allergies, and Kidney disease are not short-term conditions, and it may require lifetime treatment for your pet. Therefore, it is necessary for you to ensure the duration of covered insurance. In case your pet needs medication every month for the rest of its life, you need to make sure it’s not just covered for that year only.
Some breeds usually prone to certain issues, for example — Great Danes are prone to heart disease, and pugs and other smushed-faced dogs mostly deal with breathing issues. Before taking an insurance policy, do a complete research of breed-specific ailments and make sure it’s covered by your policy.
The medical care available for dogs also includes services like acupuncture and chiropractic care. If you want the full range of options, ensure these alternative treatments are also covered in a plan you choose.
So these are the few useful tips from the expert Randon Morris regarding pet insurance policies and what things you should look for in a pet insurance coverage.
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