What does pet insurance cover?
In general, as we’ve already learned, pet insurances cover emergency intervention (even in foreign countries), medical checkups, treatment, and, in the case of more costly insurances, liability insurance in case the pet in harming a third party and possibility to claim the insurance in the case your pet dies in an accident.
Having all these in mind, are you covered? Does your pet insurances cover all those from above?
If not covering all those from above, you should consider changing your pet insurance policy or your insurance company if it is not offering all that you need for your pet.
How much can you claim?
This depends on what kind of insurance you have bought for your pet. Some insurances may offer as much as $20,000 for the lifetime of medical emergencies and treatments, while others are offering as much as $10,000 annually, for any kind of medical interventions and treatments.
On the other hand, there are pet insurances that do not offer a fixed amount of expenses (annually or lifetime) but they are offering a fixed amount for specific expenses.
For example, for a pedigree dog here are some covered treatments:
- $700 for pancreatitis treatment (may or may not cover the total billed sum)
- $300 for wounds treatment (may or may not cover the total billed sum)
- $200 for ear infection treatment (may or may not cover the total billed sum)
Another type of pet insurances like this will only cover a percentage of the billed amount spent on medical interventions and treatments.
Your pet is a part of your family and bring joy and happiness to your life and especially to your kids’ lives.
You should be involved in your pet’s well-being and health since it can’t do it itself, so, buying a pet insurance is a good idea because you can give immediate treatment in case your pet gets ill or has an accident, plus you won’t spend lots of money on the medical interventions and treatments for your pet.