The pet health insurance industry is booming, and there are hundreds of types of pet health insurance programs available. Pet owners can now choose policies which match their budget and their pet’s health needs.
Coverage Packages
The majority of pet health insurance programs offer a coverage package, and the pet owner keeps the insurance by paying a monthly, or yearly, fee. As with insurance for people, pet health insurance policies include mandatory deductible fees. Depending on the company, some pet health insurance programs reimburse the veterinarian for the health care costs while other companies reimburse the pet owner once the pet owner has paid the bill.
Superior Plans
Superior plans are all inclusive plans which cover health care costs such as: accidents, illnesses, surgeries, cancer, x-rays, hospitalizations, medication, urinalysis, blood screening tests, EKGs, dental procedures, yearly vaccinations and physicals, monthly flea and heartworm control, and much more.
Wellcare Plans
Wellcare plans are all plans that cover basics health care costs such as: accidents, illnesses, surgeries, cancer, x-rays, hospitalizations, medication, yearly vaccinations and physicals, and monthly flea and heartworm control.
Standard Plan
Standard plans are the most economical plans that cover just basic health care costs such as: accidents, illnesses, surgeries, cancer, x-rays, hospitalizations, medication.
* Plan coverage may vary depending on which insurance company you choose. Make sure you confirm what is covered with your insurance provider before choosing the right plan for you
Age Matters
Many pet owners choose pet health insurance policies based on their pet’s age. For example, a pet owner who owns a young dog may feel more comfortable with an insurance package that covers accidents. A pet owner that owns an elderly dog may want an insurance package that covers yearly screening tests and the treatment costs for unforeseen diseases that may occur.
Pet health insurance policies often offer group discounts for pet owners that have multi-pet households. Some pet health insurance policies cover small and large animals and unconventional pets such as ferrets and other exotic pets.