Welcome to the world of pet health insurance! At Petsecure, our coverage plans are made with you and your pet in mind. If you’re a new pet owner or simply considering insurance for your furry friend, this blog will help you navigate the basics. Let’s get started!
So... What is pet health insurance?
Pet insurance is like a financial safety net that helps cover vet expenses when your pet gets sick or injured. Think of it as a subscription service for peace of mind – pay a monthly premium, and in return, you receive assistance with the cost of unexpected vet bills. Our promise at Petsecure is to be there for you and your pet when you need us most.
Why should you get it?
Pets are family, and just like any family member, they deserve the best care possible. Here are a few reasons why pet insurance is a smart choice:
- Unexpected costs: Accidents and illnesses can happen at any time. With vet costs on the rise, insurance helps you avoid steep bills.
- Comprehensive care: Many plans cover various common pet health issues like emergencies, illnesses, dental care, and diagnostic testing.
- Peace of mind: Knowing you have a backup plan lets you focus on what matters most – your pet’s well-being! Feel better knowing you can say “yes” to treatment when they need it.
Types of pet insurance
When it comes to pet health insurance, there are a few different types to consider:
- Accident-only plans: Covers injuries from accidents like foreign body ingestion or animal attacks.
- Illness plans: Covers various illnesses, from minor infections to chronic conditions.
- Comprehensive plans: Combines accident and illness coverage, often with options for preventative care or wellness additions. At Petsecure, we offer four complex plans that keep all pets and budgets in mind! Yes – we even cover taxes! Our Secure 4 Coverage also covers annual check-ups and vaccines.
How does pet health insurance work?
Here’s a quick rundown of the pet insurance process:
- Choose a plan: Compare different providers and plans based on coverage, premiums, and deductibles.
- Pay your premium: Provide required documentation and make monthly payments to keep your policy active and protect your pet.
- Visit the vet: If your pet needs care, take them to any licensed vet in Canada or the USA.
- Submit a claim: After your visit, fill out a claim form and attach your vet bill. With Petsecure, this step can be done online, or even better, your vet can submit the claim!
- Get reimbursed: Once your claim is processed, you’ll receive eligible reimbursement via direct deposit or cheque based on your policy’s coverage terms. It’s that simple!
What to look for
When shopping for your pet insurance plan, keep these tips in mind:
- Coverage options: Ensure the plan you choose covers what’s most important to you – accidents, illnesses, dental care, wellness, etc.
- Premiums: Compare premiums based on price while also considering the future. Petsecure premiums don’t increase based on your pet’s age or claim history!
- Exclusions: Be aware of what’s not covered, such as pre-existing conditions!
- Limits: Each insurer offers different limits on their coverage, like lifetime limits or annual renewable coverage. Petsecure plans have limits that renew annually, so your pet can have a fresh start each year.
- Deductibles: When considering deductibles, remember you’ll pay this fixed amount out-of-pocket for vet bills before your insurance kicks in to reimburse you for the rest. Petsecure deductibles are applied just once per policy year, no matter how many times you claim or how many different conditions you claim for!
- Reimbursement rates: Understand how much you’ll get back after a claim. Our plans cover up to 80% of vet bills, including exam fees and taxes which add up quick!
Conclusion
Pet health insurance may seem overwhelming at first, but it’s all about protecting your pet and your wallet! By understanding the basics, you can make an informed decision that keeps your pet happy and healthy. Ready to begin? We’ve got you and your pet covered.
Get your free Petsecure quote today!