How Does Pet Insurance Work? - DogVills (2024)

By Tabatha H 23 Comments

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Our dogs are four legged family members and all family members need insurance, furry ones included. Most pet insurance policies are meant to cover unexpected vet bills. So your yearly visits for shots and exams will not be covered. A few things you can expect from pet insurance in general is a monthly premium, a reimbursem*nt level or co-pay percentage and the ability to keep your vet. Pet insurance is typically a reimbursem*nt program. Here are a few pet insurance programs to check out for yourself and see which one fits your needs best!

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How Does Pet Insurance Work?

Trupanion: This appears to be a great insurance plan. You pay a monthly premium just like insurance for yourself. If your dog becomes sick or injured, they will cover 90% of the cost. Also, they go by the actual bill from your vet, not from some generalized ‘what it should cost’ plan. You can keep your trusted vet as well. Unlike with your own insurance, there is no cap on payouts. This means that if your poor pooch is unlucky enough to need ongoing care, you will still be covered 90% of his care. They accept dogs and cat from 8 weeks to 14 years of age and there is no need to schedule a vet visit first. You can check them out at trupanion.com or you can call them at 855.591.3100.

Veterinary Pet Insruance (VPI): This is actually part of Nationwide. They have 4 plans to choose from and they are all a low monthly fee. Their most popular plan, the Major Medical Plan which is the most comprehensive, it covers things like seizure disorders and skin cancer. You also have a maximum yearly benefit of $14,000. The Medical Plan is the most economical, covers some of the same things as the above plan with a max yearly benefit of $7,000. The Injury Plan is for emergencies so it will take care of things like skin abrasions, torn toe nails, or insect bites or stings and of course broken bones. Your last option is the PetWellness Plan for his vaccinations and yearly exams.. When I say they are affordable, they really are! The most you will pay is about $35 a month. You can check them out for yourself at petinsurance.com/plans-and-coverage.aspx

Healthy Paws: Customers really seem to love this pet insurance company, they are chosen to be be #1 in a few different surveys! They claim to be the only ones out there to offer unlimited lifetime benefits with an annual deductible. They do not cover pre-exhisting conditions, meaning anything your dog shows signs of prior to the start of your insurance start date. He does not have to have a diagnosis for it to be concidered pre-existing. They do take care of things like hereditary conditions, cancer, specialty care and hospitalizations to name a few. Take a more detailed look at what they cover and their rates at healthypawspetinsurance.com/dog-and-puppy-insurance

Pet insurance is a great way to ensure you have some coverage for your pets unexpected needs. No one wants their dogs to get hurt or sick. I know I have heard many stories of people just putting their sick or extremely hurt pet down because the cost of making them well was just too much. Don’t let yourself have to make that decision. Look into pet insurance and know that your furry friend is covered just like one of the family, because he is.

Have you found other decently priced pet insurance? Share your findings with us in the comment section below!

  • How Does Pet Insurance Work? - DogVills (1)

    Tabatha H

    Tabatha started her freelance content writing career well over a decade ago, years before joining the DogVills team. She loves writing about dogs (currently a beautiful Shepherd and a newly rescued pit bull) and sharing her experience with new owners. Tabatha also owns her own boudoir photography business and works as a school nurse. In her downtime, she loves hanging out with her children and husband in their Florida home.

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How Does Pet Insurance Work? - DogVills (2024)

FAQs

How does it work with pet insurance? ›

It covers (reimburses) the costs of treating unexpected injuries and illnesses, so you don't have to worry as much about expensive vet bills. Unlike human health insurance, you can use your benefits an any vet or animal hospital.

How long does it take for pet insurance to kick in? ›

Depending on your provider, you can use accident coverage as soon as 48 hours after signing up. Illness coverage usually has longer waiting periods, beginning at 14 days. However, even these short periods make it important to shop for insurance before your pet gets sick or hurt.

How does pet insurance work when you go to the vet? ›

When a pet is seen by a veterinarian for a covered condition, the owner pays the vet in full and then submits a claim to their insurance company for reimbursem*nt, which is dictated by the terms of the policy. Most pet insurance plans are for dogs and cats, but a few pet insurers offer coverage for other animals.

Is it a good idea to have pet insurance? ›

Ultimately, pet insurance can be helpful for many situations, especially if you want to reduce the stress and difficult decisions that can stem from unexpected vet bills. In general, you want to shop for pet insurance sooner than later so that it's more cost-effective, but even older pets can be insured.

Is it worth claiming on pet insurance? ›

It's usually not too difficult to know when you should claim, and you can always check your policy documents or speak to your insurance provider if you're not sure. The only time it might not be worth claiming is if your policy excess – that's the amount you pay to make a claim – is more than the cost of the treatment.

Do you get money from pet insurance? ›

Most policies come with an annual deductible, the amount you're responsible for before the insurer starts paying. Once you've met your deductible, most plans pay a certain percentage of your vet bill — typically 70%, 80% or 90%. And you may be subject to an annual maximum payout.

How does the deductible for pet insurance work? ›

A pet insurance deductible is the amount you pay for veterinary expenses before your pet insurance starts paying for covered care. The lower your deductible, the less you'll have to pay out of pocket per claim, but you'll also pay a higher insurance premium.

How does pet insurance know about pre-existing conditions? ›

How do pet insurers know about pre-existing conditions? Depending on your insurer, when you submit a pet insurance claim, they will typically request your pet's medical records to evaluate the claim and determine if the issue predates your waiting period.

What is the annual limit on pet insurance? ›

An annual limit is the maximum amount of money your pet insurance provider will pay per year once you've met your annual deductible. For example, if you have a pet insurance policy with an annual limit of $10,000 but you have $12,000 worth of expenses, you're responsible for $2,000 of those expenses.

How much of vet bills does pet insurance cover? ›

So, once you've covered your deductible for a condition, your pet insurance will typically reimburse a percentage of any additional cost. That percentage depends on the policy you sign up for. In most cases, you'll be able to choose 70%, 80% or 90% reimbursem*nt coverage.

How long does it take for pet insurance to pay out? ›

Processing a pet insurance claim is usually quire straightforward. Your payout should take between seven to ten days. If you call your provider, they can give you an estimated date for the payout. You may also be able to track to progress of your claim online.

Can you negotiate your pet insurance? ›

Pet insurance, like most consumer insurances, is price-inflexible. While you may be able to reduce the price by removing elements of cover (so in effect, you're buying less insurance), you're unlikely to be able to negotiate the price for the coverage chosen. 1)Research Multiple Providers and compare the quoted prices.

What age is best to get pet insurance? ›

"There is no upper age limit for coverage or enrollments." "You may enroll your dog or cat as early as 7 weeks of age," insurer Pets Best says. "Like children, young dogs and cats have the highest risk of accidents. And because their immune systems aren't mature, they're more susceptible to infectious diseases.

Is pet insurance tax deductible? ›

A: Typically, pet insurance premiums are not deductible. However, if your pet is a certified service animal, the insurance costs directly related to their health care may qualify.

Is it okay to not have pet insurance? ›

But without insurance coverage, the cost to treat unexpected pet emergencies can present a financial burden for the majority of pet parents — in fact, six out of 10 Americans have less than $1,000 in savings to spend in an emergency. In the worst cases, a pet medical emergency can lead to long-term expenses .

Is pet insurance paid monthly? ›

Average annual costs are displayed, but you can choose to pay monthly or quarterly instead. Learn more about which pet insurance coverage types are best for your needs.

Does pet insurance cover all pets or just one? ›

Some insurers will allow you to add multiple pets to one policy, though most may require you to buy separate policies for each pet instead. Note that many pet insurance companies will only provide coverage for cats and dogs, so you may be out of luck with other pets like birds, hamsters, snakes, and rabbits.

Does pet insurance cover monthly medication? ›

The Bottom Line: Does Pet Insurance Cover Medication? Pet insurance covers medication as long as the condition it's prescribed for is covered under your policy. Medication for preexisting conditions isn't covered, and you'll need add-on coverage for preventive medication.

How long do I have to make a pet insurance claim? ›

Let your insurer know as soon as possible that you need to claim on the policy. Some insurance companies might have a time limit on when you can make a claim, for example 30 days. The specific time frame varies between insurance companies, so it's best to check your pet insurance policy details.

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