![]() ![]() To understand how pet insurance works, here’s a look at what each of these terms mean. ![]() You’ll also need to be aware of your plan’s “waiting period” before your coverage kicks in. The amount of money you’ll get back will depend on your annual limit, deductible and reimbursement percentage. If the problem is covered by your policy, your pet insurance company will send you reimbursement. Pet insurance is usually reimbursement-based, which means you’ll need to pay up front for your pet’s vet expenses and submit a claim to your insurer for reimbursement. Pet insurance is much like a health insurance policy for your pet that covers vet bills. Wellness plans can help cover expenses such as: Some pet insurers offer wellness plans for routine care as an add-on to accident and illness plans. It won’t cover illness-related expenses like cancer or urinary tract infections.Īccident-only plans are cheaper than accident and illness plans because they cover fewer problems, but it can be a good option for pet owners who only want coverage for accident-related emergencies. This type of plan only covers accident-related veterinary bills, such as a broken bone or a swallowed object. Routine wellness care, such as vaccinations, wellness exams, and flea, tick and heartworm prevention.Regular food, dietary and nutritional supplements.Pre-existing conditions, but some plans cover pre-existing conditions that are considered curable if your pet remains free of symptoms for a period of time.Non-veterinary expenses, such as a dog license or waste disposal services.Experimental treatment, such as investigational or treatment not within the standard care accepted by Wisconsin’s veterinary medical board.Grooming such as baths, shampoos and nail trims.Cosmetic procedures, like tail docking or ear cropping.Testing and diagnostics, such as CT scans, MRIs and X-rays.Īccident and illness plans typically don’t cover problems such as:.Holistic and alternative procedures, like acupuncture and chiropractic.Hereditary conditions, like hip dysplasia and blood disorders.Congenital conditions, including heart disease.Illnesses, such as ear infections and diabetes.Accidents, like ACL ruptures and swallowed objects.It covers the widest range of problems, including: Accident and Illness PlansĪn accident and illness plan is the most common type of pet insurance plan. Here’s a look at each plan and what it covers. The types of problems that are covered by pet insurance will depend on which plan you buy. You’ll find that pet insurance companies generally offer three types of plans: accident and illness, accident-only and wellness plans. Reimbursement and deductible choices may vary by state. ![]()
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