What is Covered Under Pet Insurance?

Pet insurance is a type of insurance that helps cover the costs of veterinary care for your pet. It can be a valuable investment, especially if you have a pet that is prone to illness or injury. However, it's important to understand what is covered under pet insurance before you purchase a policy. Here are some common things that are typically covered:

Veterinary Expenses

Veterinary expenses are the most common thing that is covered under pet insurance. This includes the cost of exams, vaccinations, bloodwork, surgery, and medications.

Accidental Injuries

Accidental injuries are also typically covered under pet insurance. This includes injuries that your pet sustains from being hit by a car, falling out of a window, or being attacked by another animal.

Illnesses

Illnesses are also covered under most pet insurance policies. This includes common illnesses such as cancer, diabetes, and heart disease.

Alternative Therapies

Some pet insurance policies also cover alternative therapies, such as acupuncture, chiropractic care, and massage therapy.

Boarding and Grooming

A few pet insurance policies cover boarding and grooming, but this is not as common.

What is Not Covered Under Pet Insurance?

There are also some things that are typically not covered under pet insurance. These include:

Pre-existing Conditions

Pre-existing conditions are typically not covered under pet insurance. This means that if your pet has a health condition before you purchase a policy, it will not be covered.

Cosmetic Procedures

Cosmetic procedures are also typically not covered under pet insurance. This includes things like tail docking and ear cropping.

Breeding Expenses

Breeding expenses are also not typically covered under pet insurance. This includes the cost of stud fees, whelping, and raising puppies or kittens.

Liability

Liability is also typically not covered under pet insurance. This means that if your pet injures someone or damages property, you will be financially responsible.

How to Choose a Pet Insurance Policy

When choosing a pet insurance policy, it's important to compare the different plans and options available. You should also consider your pet's age, health, and lifestyle. To ensure you get the best value for your money, you should also consider the following factors:

• The deductible: This is the amount you will have to pay out of pocket before the insurance company starts to cover the costs of your pet's care.
• The annual coverage limit: This is the maximum amount of money the insurance company will pay for your pet's care in a year.
• The percentage of coverage: This is the percentage of the total cost of your pet's care that the insurance company will cover.
• The waiting period: This is the amount of time you will have to wait before the insurance company starts to cover the costs of your pet's care.

By carefully considering these factors, you can choose a pet insurance policy that meets your needs and budget.