There are many misconceptions about pet health insurance, with different insurance companies, plans, and policies. Most pet owners think about insurance for accident coverage or for when your dog or cat becomes sick. However, these conditions barely scratch the surface. Here are five things you did not know pet insurance covers:
Small issues, such as ear infections
One common misconception with medical insurance for pets is that it only covers accidents. However, with the right insurance policy, your pet can have medical coverage for everything from a broken nail to monthly allergy medications. The deductible is a big aspect here, with a small deductible, you will be reimbursed for even the small stuff.
Hereditary and congenital conditions
Many pet health insurance plans offer coverage for hereditary and congenital conditions such as cherry eye, Addison’s disease, and hip dysplasia. What this means for your pet, is that breed predisposed hip dysplasia, which is common in German Sheppard’s, the hip repair can be covered provided there were no signs of this condition prior to being enrolled in pet medical insurance. Unfortunately, pet medical insurance does not cover pre-existing conditions. This is why it is vital to enroll your pet while they are still healthy and young.
All healing does not take place in the veterinary hospital. Prescription medications that your vet fills for your pets to take home can also be covered with pet medical insurance. A comprehensive plan can ensure that your pets can continue to recover while at home.
Common illnesses, such as cancer
Animal medical insurance should also have your back for the big conditions, too. Some pet insurance policies require that you include coverage for certain conditions, such as cancer. However, the best insurance plans already have this coverage included. When faced with an illness, the best pet medical insurance coverage can help you and your family focus on what is best for your pet, rather than worrying about medical expenses.
Alternate therapies and cutting-edge treatments
The best pet insurance plans are designed to provide veterinarians with the control to practice medicine without benefit schedules or financial restrictions and to do what they do best. Today, vets can treat pets with stem-cell therapy, perform acupuncture on cats and dogs, and build carts and prosthetic devices. Pet health insurance can help support those types of treatments by covering things such as regenerative therapies, mobility devices, alternative therapies, as well as a broad variety of treatments available today.
Pet insurance can be an excellent option for the majority of pet owners. If you are considering medical insurance for your cat and/or dog, it is vital to do your research to ensure you purchase a comprehensive plan that covers the little stuff, big stuff, and everything in between.
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