Just as people sometimes need medical care, pets occasionally do too. From routine care to emergencies and chronic diseases, paying for a pet’s veterinary care can be expensive. Pet insurance helps Massachusetts residents who have dogs or cats pay for their four-legged friends’ covered veterinary care.
Pet insurance policies are highly specialized policies that aren’t like other types of insurance. For this reason, pet owners should consult an insurance agent who specializes in this form of insurance when selecting a policy. An informed agent has the knowledge necessary to assist pet owners in making wise coverage decisions.
Most Massachusetts residents who have one or more pets ought to consider getting a pet policy that covers their four-legged friend(s). Veterinary procedures can be extremely costly, and deciding between caring for a pet and other financial costs is often stressful. A robust pet policy may help reduce this stress when a pet needs care.
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:
Hereditary health issues
Short-term and chronic illnesses
Other care as specified
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.
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.
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.
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:
Type of pet
Breed of pet
Age of pet
Location where the pet resides
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.
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.