Your Pet Insurance Guide

Interesting Stat on Pet Insurance Reimbursements

I just finished reading the March issue of Veterinary Forum Magazine. Tucked in the corner of page 24 was an interesting statistic. Pets Best Insurance reviewed its reimbursements over $500 and found that: 54% are for regular veterinary care 35% are for specialist care 11% are for emergency clinic care... Read more →

Exclusions - Pt. 4

There are miscellaneous exclusions that aren't as important in the big scheme of things as hereditary or chronic conditions or wellness care, but pet owners are occasionally caught by surprise if they aren't aware of them. For example, most companies won’t cover behavioral problems, breeding or pregnancy–related expenses, cosmetic or... Read more →

Is Wellness Care Coverage Worth It?

Pet owners should purchase pet health insurance to cover those unexpected accidents or illnesses where the cost is unknown -- potentially hundreds to thousands of dollars. Coverage for wellness care where the procedures and costs are predictable should be a secondary concern. Since wellness procedures and products can be planned... Read more →

Pet Health Insurance - Exclusions - Pt. 3

A chronic condition is a disease that will need long-term (ongoing) treatment after it manifests itself and diagnosis and treatment is started. Many chronic diseases (e.g. diabetes) can be treated and controlled for several years, allowing the pet to live a relatively normal (symptom free) life. Why is coverage for... Read more →

Pet Health Insurance - Exclusions - Pt. 2

Hereditary conditions are another important exclusion (from a veterinarian's perspective) that some pet insurance companies have in their policies. Some companies totally exclude coverage for any disease or conditions considered hereditary. Others have limited coverage (maximum dollar amounts) that they will pay for some inherited diseases. Others cover inherited conditions... Read more →

Pet Health Insurance - Exclusions - Part 1

The one exclusion that's virtually universal among pet insurance companies is pre-existing conditions. This means that any problem that your pet has shown symptoms of prior to purchasing an insurance policy or that manifest symptoms during the waiting period prior to the effective date of the policy won't be covered.... Read more →