There are many things you could do to prepare for an emergency with your pet. Pet insurance is one way to do that. This will help you avoid spending funds from your emergency savings accounts, which you don't want to do. It is important to be aware of your policy's limits, deductible and any supplementary fees.
Pet insurance can save you a lot of money if your dog or cat gets injured or ill. A 2016 study showed that pet insurance can save you a lot of money if your cat or dog is sick or injured. A pet insurance policy can save you from having to dip into the family's emergency funds when it comes to paying for medical treatment.
There are several MA providers of pet insurance that you can choose from to insure your pet. 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. Most policies include protection against injuries and illness. Some may also offer after-death coverage.
Some pet insurance companies offer additional coverage to cover wellness care. Wellness coverage provides coverage for routine checkups, dental cleanings, and flea, tick, and heartworm treatments. This level of coverage is not offered by all insurance companies. It is important that you read all the fine print before making any decisions.
Some insurers will cover 100% after you reach the deductible. Other plans will offer a 70/30, 80/20 or 70% reimbursement. Consider signing up for a plan offering a higher rate of reimbursement if your vet bill is large.
Many pet insurance MA providers will give you free quotes. They will also need basic information, such as the breed, age and pedigree of your pet. After providing these details, you will be given a quote. A free quote will give you an idea of how much you can expect to pay for a policy.
Many MA pet insurance companies offer optional extras like burial or lost pet coverage. Another option is to get an accident-only insurance policy. This provides coverage for medical bills, dental, and surgery.
GEICO / Embrace for instance will offer you a free health history review when you sign-up for a 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 aren't satisfied with your policy or Embrace has a money back guarantee. You can return your policy for a full credit within 30 days. Embrace is not able to offer a separate health policy. If you are interested in wellness care, you will have to look for another company.
Some insurance companies will pay all costs incurred by your veterinarian. Others insurers will have higher deductibles, which means you'll need to pay more to file a case.