What is pet insurance?
Your pets are a part of your family, and with pet insurance, you can care for them like they are. With pet insurance, you can provide your dog, cat, etc. with the healthcare they need while avoiding steep veterinary bills.
Pet insurance is similar to regular health insurance but simpler. Like health insurance, you’ll usually have a deductible to cover and copayments, but when selecting a policy, you’ll generally only have to choose between three types of coverage: accidents only; accidents and illnesses; or accidents, illnesses, and other medical costs.
Pet insurance policy options.
Nearly every policy has some form of payout limit. This could be for a single treatment, all treatments for a specific condition, or a total for all treatments during the year. The premium costs will vary depending upon the type and amount of the payout limit, so you’ll need to weigh the options.
Factors to consider when getting coverage for your pets.
You also have to watch out for a few rules that might surprise you. For example, an individual pet insurance policy will often have a waiting period of around two weeks after you take out the policy. During this time you can’t make any claims for illnesses or accidents. Another difference from human medical policies is that you usually have to pay the vet bills upfront and then make a claim to get the money back from the insurer.
Request a pet insurance quote today to learn more about insuring your pet from an MSIG specialist.
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As an independent agency, we are here to help you find the right coverage.
