Understanding How Pet Insurance Works: An Overview

Pet insurance is a great way to protect yourself from expensive veterinary bills. Depending on the type of policy you choose, you can rest assured that your pet will be able to receive the highest quality of veterinary care when they need it most. Pet insurance can be purchased to cover both injuries and illnesses. Most pet insurance policies can be adjusted to meet your needs, much like your own health insurance policy.

When to Buy?

Most people consider buying pet insurance shortly after adopting a pet. Buy pet insurance when your animal is around six months old for the best rate. At this age, any abnormalities or chronic illnesses will begin to show and can be treated on time. Although pets start to get their shots around two months of age, they will continue to receive vaccinations or boosters once a year. You can choose to buy a pet policy at any time. You just need to remember that none of the policies available will cover pre-existing conditions. Buying coverage as soon as you get your pet is recommended to ensure they are covered under any circumstance.

What Does It Cover?

Pet insurance is much like health insurance for humans. None of the pet insurance policies cover pre-existing conditions. Some policies are written to only cover illnesses, while others only cover accidents. A comprehensive policy will cover all types of injuries, illnesses, and even routine care and wellness exams. Vaccines are also included in comprehensive coverage. You can choose the type of coverage you prefer and upgrade it if you choose. It’s important to remember, though, that if an existing condition worsens, it won’t be covered unless it was treated under the previous policy.

How Much Does Pet Insurance Cost?

Pet insurance is affordable when you consider the cost of veterinary care. Comprehensive care for dogs will cost you approximately $45 to $50 a month. For cats, comprehensive care will carry an average cost of $25 to $30 a month. Policies that will cover only accidents or only injuries will cost you much less per month. Accident or illness policies are cheaper but still quite effective. If your animal is kept inside your home, you may only need to purchase an illness policy. However, if you have pets that go in and out, you may need a comprehensive policy simply due to the additional risk.

Your pets are part of your family. You want to be able to give them the same level of care as you would your children or other family members. Talk to an agent at Abbate Insurance Associates if you have questions concerning pet policies. We have answers to many of your most common questions and can provide you with the best possible advice. Call and schedule an appointment today! Let us guide you through the process and create a policy that will work best for both you and your pet.