Savvy Pet Tips

What Does Pet Insurance Cover? 

Do you have a budget for your pet’s regular vet bills? 

Like most folks, you likely have a budget for regular medical care for your furry friend. Yet when illnesses arise, you could be in for an unpleasant surprise that you don’t have money set aside for this situation. 

For this reason, pet insurance can be a lifesaver for pet owners. Even if you only have a vague memory of where you heard the idea of pet insurance, it’s time to take that information seriously. 

But what exactly does pet insurance cover? Read on to learn more about pet insurance and what it covers. 

Vet Visits and Vaccinations 

Pet insurance can be confusing because there are so many variables to consider. In general, most policies cover vet visits and vaccinations for your pet

However, there are some things to be aware of. For example, some policies have a per-visit deductible, which means you will have to pay a certain amount toward the vet bill before the insurance kicks in. 

In addition, there may be limits on the types of vaccinations covered. It’s essential to read your policy’s fine print to ensure you understand what is and isn’t covered. 

Emergencies and Accidents 

Emergency and accident pet insurance is vital for pet owners. It can help alleviate the financial burden associated with unexpected veterinary bills. Most pet insurance policies cover veterinary expenses related to accidents and emergencies. This can include everything from a broken leg to emergency surgery. 

Prescription Medications 

Most pet insurance policies will cover prescription medications as long as a licensed veterinarian prescribes them. Some policies may have a limit on the amount they will reimburse, so it is essential to check with your insurer to see what is covered. 

In general, pet insurance will help to cover the cost of medications that are necessary for the treatment of your pet’s illness or injury. 

Behavioral Therapy 

Pet insurance typically does not cover behavioral therapy, though some policies may have exceptions. To be covered, usually, policyholders would have to purchase a rider specifically for behavioral therapy. 

Coverage may also be affected by the state in which the policyholder lives. For example, some states may not have laws requiring insurance companies to cover behavioral therapy for animals. 

Travel and Boarding 

When you purchase pet insurance, you are typically covered for travel and boarding expenses if your pet becomes ill or injured, and you cannot care for them. This can include transportation to and from the vet, as well as boarding costs at a kennel or other facility. 

Some policies may also cover the cost of a pet sitter if you cannot travel with your pet. So if you’re looking for the best possible health insurance for your pet, check pets best health insurance reviews first to make sure you are choosing the best one. 

Get the Best Out of Your Pet Insurance 

Pet insurance can be a helpful way to cover unexpected veterinary costs, but it’s essential to understand what pet insurance policies cover. Most pet insurance policies cover accidents and illnesses, but they typically exclude preventive care, routine wellness visits, and hereditary conditions. 

When shopping for pet insurance, read the insurance policy carefully and compare different policies to find the one that best meets your needs. 

Check out some of our other blog posts to learn more helpful tips and tricks related to pet care in general. 

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