Pet insurance can be crucial for pet owners by providing financial protection when unexpected health issues arise. As you explore your options, it's essential to understand the various types of pet insurance plans available.
Accident and Illness Pet Insurance Plans
These comprehensive plans typically offer the most extensive coverage. They may help cover medical costs associated with accidents and illnesses, including the following:
- Injuries such as broken bones, lacerations and trauma
- Conditions like cancer, infections and hereditary diseases
- X-rays, blood work and other diagnostic procedures
- Necessary medications for your pet's recovery
- Surgical procedures
- Hospitalization
Accident-Only Pet Insurance Plans
Accident-only pet insurance plans focus solely on accident-related expenses and may help cover the following:
- Accidental injuries, such as fractures, burns, scrapes or cuts and bites
- Emergency care
- Necessary surgeries resulting from accidents
- Prescription medications such as antibiotics or pain relief after a severe accident.
Pet Insurance Wellness Plan Add-ons
Some insurers offer optional wellness plans as an addition to your primary pet insurance policy. These plans may provide coverage for the following:
- Preventative services like vaccinations, wellness exams and dental cleanings
- Medications to protect against heartworm disease
- Products to keep parasites, including ticks and fleas, at bay
- Coverage for spay and neuter procedures
Pet Insurance Claims
Familiarizing yourself with the pet insurance claims process helps you navigate it effectively to get reimbursed for covered medical expenses.
After a vet visit, you'll receive an itemized invoice detailing the services provided. Pay the bill directly to the veterinarian. Keep a copy of the receipt and any relevant medical records.
Complete a pet insurance claim form (usually available on the insurer's website or app) and attach the itemized receipt, medical records and other necessary documents. Submit the claim via the insurer's app, online portal, email, fax or mail. Once approved, you may receive reimbursement for covered expenses.
Some insurers pay your vet directly after approving the claim. Your vet must agree to this form of payment and participate with the insurer.
Choosing the Right Plan
When choosing a pet insurance plan, carefully consider your pet's age, breed, and pre-existing conditions. Determine how much you will spend on premiums—balance coverage with affordability.
Your agent can help you understand applicable deductibles, waiting periods, coverage limits and exclusions. They can also help you research insurers and compare quotes.
Contact Us
Contact ProtectALL Insurance, which serves the Dublin and Cleveland, Ohio, areas, to compare pet insurance quotes.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.