What expenses does pet coverage help pay?
Pet policies might help cover a variety of veterinary expenses. Precisely what expenses are covered is determined by a policy’s terms, but may include costs associated with:
- Preventative care and routine veterinary exams
- Hereditary medical issues that pets are diagnosed with
- Episodes of acute illnesses that pets suffer
- Injuries pets sustain in accidents (auto or otherwise)
- Terminal illnesses and chronic conditions that pets have
An insurance agent who specializes in pet policies can review exactly what costs a particular policy will help pay.
Do pet policies provide dental care for animals?
Pet policies normally treat dental care as distinct from other veterinary care, much like how human health insurance policies separate medical care and dental care. Some pet policies don’t offer coverage for any dental care, while others make it available as an optional feature.
What do accident-only pet policies cover?
The most affordable type of pet coverage is usually an accident-only policy. Such a policy will normally only cover injuries directly resulting from an accident. They typically don't cover other issues such as many illnesses, hereditary issues and chronic conditions.
The affordable premiums of accident-only policies are certainly attractive, but pet owners should be aware of the restricted coverage that these policies provide. They may not offer all of the protections that a pet owner would want, especially considering how expensive ongoing care for a long-term condition can be.
What dog breeds are dog insurance policies available for?
Dog insurance is readily available for most breeds of dogs. Some breeds that are prone to health issues might cost slightly more to insure, but dog insurance normally is still available for these breeds.
How do pet policy deductibles, copays and coinsurance rates work?
Like most medical insurance policies, pet policies may come with deductibles, copays and/or coinsurance rates. Each of these is a separate expense that must be paid out of pocket:
- Deductibles generally are how much must be paid before a policy will begin paying. A pet policy may have an annual deductible that has to be met within the policy’s year-long term, or it could have a different type of deductible. Some costs may be excluded from any deductible requirements.
- Copays are a flat amount that’s usually paid for each veterinary visit or service. A pet policy might have a few separate deductibles for appointments, diagnostic tests, and emergency care.
- Coinsurance rates are a percentage fee that’s paid for veterinary services. They’re much like copays, except a percent of the bill rather than a flat amount. A policy could have several different coinsurance rates.
How can Massachusetts residents get pet insurance?
For help insuring a pet, contact the independent Massachusetts insurance agents at Paul T. Murphy insurance. Our agents are well-versed in pet insurance policies, and we can help you find a policy that’ll provide good coverage for your furry (or other) friend.