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Reviewing the Reasons for Pet Coverage

If you want the best care for your pet, you might want to enroll for pet insurance. Some of the insurance coverages include:

  • accidental injury coverage,
  • major medical coverage, and
  • accidental injury and illness protection.

Most plans will reimburse you for up to 80% of veterinary costs. If you love your pet and would do anything to care for them and keep them alive and well, then you probably shouldn’t overlook pet medical insurance.

Related: Should You Buy Pet Insurance?

pet insurance

A Customized Policy

If you choose the right provider, you can customize your pet coverage premium. Therefore, you can tailor the insurance policy to fit your requirements. Each cat or dog’s policy offers various benefits, including a routine coverage option. You can also lower the premium by sharing some of the risk.

Accidental Injury coverage

If you choose accidental injury insurance, this type of plan covers vet treatments associated with accidental injuries. Normally, the plan protects you financially for 80% of a vet bill. You can select from $0, $100, or $200 yearly excess per condition or mishap. If a pet is hospitalized for over five days, the plan covers boarding at a licensed facility. Accidental pet insurance and illness coverage basically features the same amenities as the accidental injury coverage.

Travel Insurance

You can also opt for overseas travel insurance for your pet. The policy covers eligible vet costs related to an accident suffered by a pet on holiday. Coverage is limited to locales where your pet does not have to be quarantined after returning home.

Major Medical

Major medical insurance offers coverage for accidental injuries and illnesses, including routine care. Again, plans of this type reimburse you for 80% of your vet’s bill. The excess per condition or accident is $200. Additional benefits included for major medical insurance is coverage for emergency boarding fees and overseas travel insurance. Coverage is also provided for the treatment of paralysis ticks.

Routine Care coverage

As you can see, pet coverage will provide you with excellent protection if your pet is injured or gets sick. Routine care coverage can also be included in a major medical plan. This type of care normally includes a $50 yearly benefit for one of the following services:

  • Microchipping
  • Heartworm
  • Teeth cleaning
  • Alternative therapy
  • Declawing
  • De-sexing

A benefit may also be applied to burial or cremation, or for dog training at a designated training site. Annual benefits are offered for such care as vaccinations, heartworm test, blood screen, and flea, tick, or worm control. An excess is not applicable for this type of plan.

How to Obtain Insurance Protection Online

In order to apply for any of the pet policies, you can easily go online and give a company your information. Typically, a form is designed to obtain the details about the pet and the owner. Companies need to know the name of the pet, whether it is a dog or cat, the pet’s birth date and year, and the pet’s gender. Once you provide the needed information, you can obtain a quote for the premium.

Insurance coverage for a pet is helpful, if not essential (especially if you consider it a member of the family). Do not leave yourself or your pet vulnerable. Take a careful look at the plans and find a policy that will take care of your pets in case they get injured or sick.

Are you in the market for pet insurance?



My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.

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