The core of most pet insurance plans focuses on covering unexpected accidents and illnesses. Here’s a breakdown of what’s typically included:
Accident & Illness Coverage:
- Injuries: Treatment for injuries from accidents like:
- Broken bones
- Bite wounds
- Lacerations
- Ingestion of foreign objects
- Car accidents
- Illnesses: Covers various unexpected illnesses like:
- Cancer
- Infections
- Allergies
- Diabetes
- Digestive problems
- Surgeries: Costs for necessary surgeries related to covered injuries or illnesses.
- Hospitalization: Overnight stays and monitoring at a veterinary hospital.
- Diagnostic Tests: Costs for tests like:
- X-rays
- MRIs & Ultrasounds
- Bloodwork & Lab tests
- Prescription Medications: Prescribed medications to treat covered conditions.
- Emergency Care: Treatment at emergency vet clinics when your regular vet is unavailable.
Optional or Add-On Coverages:
- Wellness/Routine Care: Some plans provide coverage or reimbursement for:
- Annual checkups & vaccinations
- Dental cleanings
- Flea, tick, & heartworm preventatives
- Behavioral Therapy: Coverage for vet-prescribed behavioral modification for conditions like separation anxiety.
- Alternative Therapies: May cover costs for acupuncture, chiropractic care, or other holistic treatments, depending on the plan.
Important Notes:
- Exclusions: Most plans have exclusions for things like pre-existing conditions, elective procedures, or breed-specific hereditary problems.
- Limits and Deductibles: Policies have annual coverage limits, per-incident limits, and deductibles you need to meet before reimbursement begins.
- Reimbursement Percentage: You’ll typically be reimbursed a percentage of the eligible costs (e.g., 70%, 80%, or 90%).