Pet insurance is a popular choice for a lot of people today. It is offered by a lot of different companies and most veterinary offices offer their own. It is very similar to other kinds of insurance.Most companies will offer varying levels of coverage. These may include coverage for illnesses, basic accident care, essential wellness care, and a more deluxe wellness care. Some may offer extra protection for ongoing issues. Other options are also available depending on which company you use.
Almost all companies will have an annual fee. You can usually save a little on this if you pay for it upfront. There is also a yearly deductible that will need to be met. This varies depending on the level of coverage you need. After the deductible is met, most plans will cover 80% of your veterinary bill.Most plans will allow you to stay with your current vet. If for some reason you would not be allowed you should shop around until you find one that will allow it. With so many options out there to choose from you should only go with a plan that you are comfortable with.
Most claims are easily filed and reimbursed. You simply take your animal to the vet and pay for the visit with your own money. You then contact the insurance company with proof of payment. They will then reimburse you with what they owe you. This can save people a lot of money and give them piece of mind about their pets overall well being.