What Does Pet Health Insurance Cover

If you’re considering buying pet health insurance, you’re on the right track to protecting yourself and your dog. But, as a consumer, it’s highly recommended to fully understand a pet insurance policy and its coverage.

What Does Pet Health Insurance Cover

So, What Does Pet Health Insurance Cover Exactly?

There are various types of policies with different premiums and coverage, as well as deductibles. Of course, this depends on many factors, including the country in which you reside, but on average, the majority of pet insurance plans may cover:

  • Cancer treatments, including chemotherapy
  • Medical care following an accident, injury, illness or a disease
  • Diagnostic tests, like x-rays (possibly MRI), ultrasound, lab tests
  • Medication
  • Hospitalization
  • Surgery
  • Tooth Extraction

Some pet insurance companies may even reimburse their clients for medical treatments in other countries, should you vacation with your do. However, please check with the insurer for this coverage. If the insurance policy does not cover your dog in other countries, you can add temporary coverage such as overseas medical insurance policy, international medical cover insurance, or overseas medical insurance.

What Dog Health Insurance Does NOT Cover

Whatever the case, read the fine print and know full well what the policy does NOT cover. Understanding your coverage means you don’t have to deal with any unpleasant surprises. Obviously, a cheap pet insurance plan will provide limited coverage, whereas a more expensive one will have more extensive coverage. You do get what you pay for with any product, including dog health insurance!

Also, pet insurance policies do not cover your pet’s pre-existing conditions. So, if your pet was previously diagnosed with a condition or health issue, then the pet insurance plan will NOT cover those future medical treatments. The same is true if your dog shows symptoms of a certain condition, he won’t be covered for that particular condition, but that does not exclude him from coverage from other health issues. The best way to provide health insurance for your dog is to do so from a very young age before any signs or symptoms of disease present themselves. You may pay a couple of hundred dollars more, but it could save you from paying thousands out of pocket.

Ways to Get the Best Pet Insurance for Your Buck

Like any other product available, be a smart consumer and shop for the best value. Note the best value does not mean the cheapest coverage. Instead, the best pet insurance value for your buck means getting the coverage you want for the best price. Having said that, these tips can help save you money:

  • Just like home and auto insurance, save money by insuring multiple pets (if you have others) under the same policy.
  • Microchipped pets may also benefit from discounts, so be sure to mention whether your dog has been microchipped.
  • Pay for your policy in full from the get-go and save the interest charges (and possibly more) usually applicable.
  • Service dogs enjoy a discount as well, so ensure you mention it if applicable.
  • Other consumers that may enjoy discounted pet health insurance rates include those in the military and also those who belong to an organization or company.

A word of advice is to do your own homework and after having acquired some knowledge on the subject, check with your veterinarian to get some added input from the expert in the field and in your country of residence. Then decide whether basic, moderate, or comprehensive coverage is best for you.

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References:CAA, AKC