Pet insurance can help you avoid expensive vet bills. Like human health insurance plans, pet insurance can help make the cost of professional care for your pet more affordable.
Like traditional health insurance, these plans have limitations on deductibles , coverages, and benefits. Typically, pet insurance can cover up to 90% of veterinary costs.
Fortunately, you can buy pet insurance for many types of pets, although finding insurance for some unique pets can be difficult.
If you are in the market for pet insurance, contact an insurance professional right away. They can help you get started with a free quote so you know exactly what to expect.
What types of animals are usually insured?
Almost all pet insurance companies provide coverage for dogs and cats. A basic plan usually covers procedures and services related to an accident or illness. In addition, most pet insurance companies offer a premium plan that covers additional options including emergencies, office visits, diagnostic tests, x-rays and lab fees. You can usually choose additional preventive animal welfare and health services.
For example, Lemonade 's standard pet insurance policy covers diagnostics, procedures and medications to help your dog or cat recover from an accident or illness. It includes broken bones, wounds, diarrhea and even cancer. But if you need more options for your dog or cat, you can purchase additional coverage like Preventive Care, which covers everything from dental cleanings and wellness exams to blood tests and vaccinations.
Whether you buy insurance for your dog, cat or other pet, pre-existing medical conditions are unlikely to be covered by the provider.
What types of animals can be insured?
The best pet insurance companies only cover cats and dogs. If you need insurance for a bird, reptile or other animal in the "exotic" category, this gives you several options, such as:
- bird
- reptiles
- Amphibians
- lender
- That's enough
- the hedgehog
- Mouse
- little goat
- Guinea pig
- rabbit
- Mouse
Nationwide is the only reputable insurance company that covers exotic pets. Pet Assure is another company that can help lower the cost of an exotic pet. However, Pet Assure does not offer pet insurance, but offers up to 25% off veterinary care for all animals.
Nationwide foreign pet insurance is similar to pet and cat insurance plans. Depending on your policy options, you can get up to 90% cover for veterinary care for common illnesses and accidents. You can also choose preventive coverage for an additional fee.
Find out your options now by speaking with a pet insurance specialist!
What types of pets are generally not covered?
Pet insurance companies generally do not cover expensive pets and animals that may be considered dangerous to themselves. In general, most people are not advised to keep a pet tiger or monkey unless they have been professionally trained to handle such animals. For potentially dangerous or expensive animals, including tigers, monkeys, horses and cows, it is not possible to find insurance from major pet insurance companies.
According to the Insurance Information Institute (III), life and theft insurance is an insurance option for high-value pets such as dogs, cats, horses and dogs. This type of insurance will compensate you if your pet is stolen and you receive a death benefit under certain conditions.
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The cost of pet insurance depends on the type of pet and can vary from one breed to another . For example, some of the most expensive dogs to insure are Newfoundlands, Dogue de Bordeaux, and Jack Russell Terriers, whose monthly premiums can reach $100 a month.
Similarly, Abyssinian, Persian and Ragdoll cats are the most expensive breeds to insure, with premiums exceeding $40 per month.
Often what makes some breeds more expensive to insure is due to genetic conditions or physical characteristics that require expensive care.
Of course, not all pet insurance companies offer the same coverage, and rates vary by provider. If you want to get the best pet insurance to cover your furry family members, it's important to shop around and compare multiple providers and compare your options.
Use the chart below to shop or speak directly with a pet insurance specialist.
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