Cover For Life Pet Insurance Which Is The Best
Cover For Life Pet Insurance Which Is The Best - Sharing your life with a cat or dog is magical. But like any lover, sometimes things can go wrong. Having pet health insurance will not make illness or accidents go away, but it will reduce the cost of your pet - and make it easier to provide veterinary care for your pet without money being the deciding factor.
At its simplest, pet health insurance provides your pet with medical care and treatment if they become ill or injured. The basic policy helps with veterinary bills for diagnosis and treatment related to accidents and illnesses (if it occurs after the waiting period of your policy is over).
Cover For Life Pet Insurance Which Is The Best
Okay, we know thinking about this is a little overwhelming! The thing about insurance is that you hope you never have to use it. But if so, your furry friend will definitely appreciate the safety net you have given them.
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Let's take a look at what pet health insurance covers, and the extras it offers to improve your pet's care.
Oh yeah! A basic policy will cover most things that a doctor uses to keep your dog or cat healthy. This includes blood tests, urinalysis, X-rays, MRIs, lab work, CT scans, and ultrasounds. also offers a Prevention and Prevention care package, which includes things like annual stool and blood tests and heartworm or FeLV/FIV tests.
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Your insurance policy will come in handy if your pet is damaged or injured by a car, or if they accidentally eat poisonous or dangerous food that they shouldn't. (This is provided that you pass the two-day accident waiting period; if the accident occurs within 48 hours of having your policy, unfortunately, it will not be covered.) An accident and illness policy covers diagnostics (such as exams or X-rays), procedures (such as surgery or sutures), and medications (such as antibiotics or painkillers accident.
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Your pet's health insurance covers operations that may cause your dog or cat to swallow toys. The only condition here is that your pet has a history of eating the same toy many times in the past. Being a good pet parent means taking care of your fur! If your cat knocks over a box of detergent one day, and the vet can save it - that's a reason to celebrate. But it's your responsibility after that to make sure your loved ones can't get into that cleaner.
The Big C is one of the most serious challenges a pet can face, so it's best to know that cancer treatment is covered by your pet's health insurance policy.
If your cat or dog is diagnosed while under the policy, treatments such as chemotherapy will be covered - not experimental treatments. Your policy also helps pay for diagnostic tests. If there is a suspicious lump that needs to be examined by your vet, your policy will cover things like cytology, needle aspiration, or biopsy (in appropriate cases). But remember, the biggest thing is that you can't wait until after a cancer diagnosis to buy a pet health insurance policy. The key is future planning.
Your pet's health insurance policy will cover a variety of things, from ear infections to diabetes. You'll have coverage for a range of hereditary and congenital conditions, from elbow and hip dysplasia to hernias and eye disorders.
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But it's important to note that many of these things can fall under the category of pre-existing conditions. If your pet is diagnosed with such a condition - such as cancer or diabetes - after waiting for a pet health insurance policy, it will be covered. But if they suffer from that condition, or show symptoms of it, before getting pet health insurance, treatments related to that particular condition won't be covered.
TL; DR: The best thing you can do is get your furry friend covered by pet health insurance when he's young, and keep him covered as he gets older.
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Go! Visiting the vet at night can be expensive quickly, and we will help cover their costs (as long as they are related to the right situation). We provide physician-recommended hospitalization, fluids, medications, and additional tests. We even cover the cost of follow-up exams if you choose to add the cost of a vet visit.
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Wow, I'm glad you asked! Pet now offers five optional supplements that you can mix and match with your policy. Here's how they can help:
Oh yeah. Unless allergies are considered a pre-existing condition, your pet's medications, such as Apoquel allergy tablets and Cytopoint allergy shots, are covered.
However, if your pet is diagnosed with an allergy, or tests positive for an allergy or sensitivity before being covered by pet insurance, the allergy is considered a pre-existing condition, and therefore not covered.
It depends. Your basic accident and sickness policy will not cover this. However, you may choose to pay additional vet visits, which include your vet's time and labor when you bring your pet in for treatment.
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It depends. Your basic policy will not cover this. But if you add our physical therapy supplement to your policy, physical therapy will be covered. For example, this can be used to repair the cruciate ligament. (This is a scary name for a common knee injury that dogs can suffer.) Our basic policy
To cover the cost of repairing the cruciate ligament ... but without the addition of physical therapy, we cannot help with all the costs of physical therapy.
But this does not mean that the pet insurance company will deny coverage for your pet if it has a disease such as cancer or hip dysplasia before applying. It just means that the plan you get won't cover expenses directly related to a condition that was diagnosed before you signed up. So, while treatment for obesity-related diabetes is covered under the basic policy, you will only be reimbursed for reasonable expenses if your pet begins to show signs of diabetes after your policy is in effect.
This is another reason why pet health insurance companies require you to submit recent medical records when applying for a policy. If you need more information on pre-existing conditions, we've got you covered.
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You can add a basic Protection package to your basic policy to cover things you already pay for your pet's care, such as your pet's annual health check, three important vaccines - eg Rabies, DHLPP, and Bordetella.
Our Prevention+ package includes everything, plus additional exams, vaccinations, regular dental cleanings, and flea and heartworm prevention.
If you get the Puppy/Cat Prevention Package, this extended coverage helps your new pet live by covering things like spaying or bathing and microchipping.
And on top of that, you can add the cost of vet visits and physical therapy supplements to help cover more expensive treatments and trips to the vet.
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If your pet shows symptoms consistent with arthritis before taking out the policy, it is considered a pre-existing condition - so it is not covered. But if your pet develops arthritis while you have a health insurance policy, it will be covered. That's another reason why it's a good idea to get your cat or dog registered at a young age!
What will your policy cover if arthritis is diagnosed while your pet is on the policy? We will help with medications, including injections like Adequan. Your plan will cover supplements, unless they are pharmaceutical products, such as CBD. (Sorry, California cats.)
This is a big question, and one that we discuss in our own article. You should know that pet health insurance will not cover the cost of grooming - although your good boy deserves to be pampered every now and then. This policy also won't cover things like doctor-prescribed diet foods or elective cosmetic procedures.
Because you love your cat or dog, and you don't want to fail to keep them healthy if they get hurt or sick! It's no surprise, but vet bills and exam fees can add up quickly after an illness or injury. Cancer treatment including chemotherapy can run up to $35,000; even diabetes medication can cost $1,200 a year.
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Having pet medical insurance ensures that you and your furry friend can rest easy, even when life gets tough.
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