What Costs Are Covered by a Pet Policy?
Pet policies generally pay for veterinary care provided by a licensed veterinarian. Depending on a policy’s particular terms, conditions and exclusions, care related to the following issues:
Some pet policies also cover preventative care, such as vaccinations, screenings and teeth cleanings. This coverage isn’t necessarily standard, however.
Moreover, pet owners should be especially careful when reviewing any dental coverage that a policy offers. Many policies draw a distinction between routine dental care and dental disease treatments, and both aren’t necessarily covered. An insurance agent who’s familiar with these types of policies can easily explain what dental services are covered by a specific policy.
What Are Accident-Only Pet Policies?
Some insurers offer accident-only pet policies, which tend to be very basic policies. These policies might only cover injuries related to accidents, and no other illnesses or issues.
While such coverage may be an attractive option because of their generally low premiums, they don’t always meet pet owners’ coverage needs. For example, many pet owners would prefer to also have coverage for chronic diseases that are diagnosed. These policies typically don’t include such protection.
What Breeds of Dogs Does Dog Insurance Cover?
Dog insurance is widely available for many different breeds of dogs. From mutts to purebreds, there are dog insurance policies for almost any type of dog.
What Factors Influence Pet Policies’ Premiums?
Insurance companies consider many factors when setting rates for pet policies. Some of the items that may influence how much a policy costs are the:
Do Pet Policies Have Coinsurance Payments and Deductibles?
Just as coinsurance payments and deductibles are common in health insurance policies, most pet policies also have these items. Coinsurance payments are generally a percentage of the covered veterinary bill that pet owners are responsible for paying, and deductibles are normally a minimum amount that must be met before a policy will start paying on claims.
When comparing policies, pet owners can look at various coinsurance payment and deductible combinations to find what offers the coverage and premium they want.
How Can Massachusetts Pet Owners Get Pet Insurance?
For help finding a pet policy that fits your budget and will provide solid coverage for your four-legged friends, contact the independent insurance agents at The Feingold Companies. Our agents have helped many Massachusetts residents find pet insurance policies, and they have the expertise necessary to assist you.
