How Pet Insurance Works

Pet insurance is becoming more and more popular these days. Countless millions are spent annually on our pets. Many people go beyond the basic needs of their animal companion and spend money on things like toys, treats, furnishings, apparel, and more. There are pet day care centers, pet psychologists and even pet psychics. So it's no wonder that pet insurance is something people are spending money on as well. But should you? You may have asked yourself this question if you have an animal who is important to you and who may incur costly veterinary bills.

Often the animal in question is a dog, cat or horse. These three animals are popular pets and many owners consider their pet a member of the family. In most cases, pet insurance is sought to cover costs in the event of a serious accident or illness. Sometimes it is also used to cover routine preventative procedures like the administration of flea or heartworm medicine, for example. In some cases it is to protect an investment, like livestock or a horse that is bred, shown or raced. The first thing you should do when considering insurance is define your needs as a pet owner, what are you looking for the policy to cover?

From there, you can contact individual pet insurance companies for quotes. They will ask you questions about your pet and their health history just as you would be asked if you applied for health insurance. Using the data you provide, the company will give you a quote on a pet insurance policy, or quotes on several different kinds if they offer more than one. A quote is an estimate, it is not set in stone although you can expect to be close to the actual price. The actual price is determined after the application goes through the underwriting process and is formally approved.

You can pay for pet insurance monthly, semi-annually or annually. Also, on most policies there is going to be a deductible, which is the amount you pay out of pocket before the coverage kicks in. The amount of your monthly, semi-annual or annual payment will depend on the policy you choose, the data on your application and the deductible amount you select. Getting quoted from several companies can save you money as they might offer the same kind of policy for at different prices.

What is covered under your policy will vary as well, and will depend on the company, the policy chosen and more. Many insurance companies don't cover pre-existing conditions, or require a waiting period before pre-existing conditions can be covered. Most cover things like emergency treatment for sudden injury or illness. Certain policies cover things like vaccines and other preventative health measures. If you have any questions about what a certain pet insurance policy covers, ask your agent or other insurance representative. They should be happy to answer your questions, if you don't get the answers you're looking for move on to another company.

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