There are many things you should do when you own a pet to make sure they are ready for anything. Pet insurance is one way to do that. You can avoid having to withdraw funds from your emergency savings account. You should always be aware of your policy's limits and deductible, and consider supplementary fees.
If your cat or dog becomes sick or injured, pet insurance can help you save a lot of money. According to a study, the average cost of vet care for pets in the United States was $15 million in 2016. A pet insurance policy will help you to avoid the need to tap into your family's emergency fund to pay for treatment.
There are many MA pet insurance providers that offer insurance. The costs for a policy can vary from state to state, and will depend on the age of your pet and the amount of coverage you need. Many policies offer protection against injury and illness, as well as after-death benefits.
Some pet insurance companies will offer additional coverage for wellness care. Wellness coverage covers regular checkups, routine cleanings, heartworm treatments, and flea and tick treatment. However, not all insurance companies will provide this level of cover. It is important to read the fine print so that you can make informed decisions about your pet's health and financial situation.
Some insurers will cover 100% after you reach the deductible. Other plans will offer a 70/30, 80/20 or 70% reimbursement. You should sign up for a plan with a higher reimbursement rate if you have a large vet bills.
Many MA pet insurance providers will provide free quotes. They will also need basic information, such as the breed, age and pedigree of your pet. Once you have provided these details, you'll receive a quote. A free quote will allow you to see how much you could pay for a policy.
Many MA pet insurance MA companies also offer optional additions such as burial and loss pet coverage. You may also consider getting an accident-only policy, which provides coverage for emergency medical expenses, as well as dental and surgery.
GEICO / Embrace, for example, will provide a free medical history review to help you choose the right policy. This will enable you to identify if your pet suffers from any pre-existing condition, which will then be excluded from most pet insurance plans.
If you are unhappy with your policy, Embrace will refund your money. To get a full refund, you may return your policy within 30 calendar days. Embrace cannot offer a separate policy for wellness, so you will need another company to provide wellness care.
You may also be reimbursed by some companies for the entire cost of your veterinarian's visit. Other insurers will have a higher deductible, so you'll have to pay more out-of-pocket when you need to file a claim.