Pet Insurance in Virginia Beach, VA
A pet insurance policy may be the right choice for some pet owners, as it can help cover unexpected veterinary costs. However, pet insurance coverage varies depending on the company you choose.
Contact Matt Roenker Insurance Agency
in Virginia Beach, Virginia, to learn more about your pet insurance options.
What Is Pet Insurance?
Pet insurance policies are designed to work similarly to human health insurance policies. Some pet insurance companies require you to submit your pet’s medical history to get coverage.
Pet insurance coverage requires the payment of monthly premiums in exchange for coverage, whether or not you use the insurance policy. Before purchasing pet insurance, look at the plan documents carefully to understand what’s covered and how to make a claim.
Some pet insurance policies exclude coverage for pre-existing conditions and only cover accidents and illnesses. Pet insurance policies may also exclude coverage for spay or neuter surgery, wellness exams, preventative care and vaccinations.
When deciding whether to purchase pet insurance, evaluate the following:
- Your budget—Pet insurance policies can be costly when you add up the annual premiums, especially if you have a high deductible plan.
- Your pet’s age—Insurance premiums may cost more if your pet is over a certain age, as they are at a higher statistical risk of having specific health problems.
- Your willingness and ability to pay for unexpected veterinary care—A pet insurance policy may be unnecessary if you can easily afford veterinary care out of pocket.
- Your pet’s breed—Some pets, like purebred dogs, may be prone to health conditions that could trigger high medical care costs.
Pet insurance can help provide peace of mind if you worry about unexpected veterinary costs. Still, getting a personalized quote from your agent is essential before deciding whether pet insurance is a good fit for your situation.
How Does Pet Insurance Work?
Pet insurance companies may require you to pay veterinary care costs upfront and then file a claim for reimbursement. Some plans may also require you to get preapproval for specific procedures.
Pet insurance plans may require documentation after your pet receives veterinary care, including receipts and detailed descriptions of the procedures, treatments and medications your pet received. The insurer reviews your claim and reimburses you for the agreed-upon amount if your costs are covered.
Pet insurance plans may have copays and deductibles. Read the policy terms carefully and familiarize yourself with the exclusions, annual or lifetime limits and claims filing procedures.
What Does Pet Insurance Cover?
Each insurer sets rules about precisely what a pet insurance policy covers. In general, pet insurance may help cover the following:
- Unexpected illness coverage for conditions such as cancer, parvovirus or hip dysplasia
- Surgery like cataracts or cruciate ligament tears
- Test like MRIs, x-rays and blood tests
- Prescribed medications
- Emergency vet exam fees
Some pet insurance plans may also cover the following:
- Lost pet advertising
- Alternative therapies
- Behavioral modification
- Chiropractic care
- Hospital boarding
Get Pet Insurance Today
Pet insurance can help provide a financial safety net if unexpected illness or injury-related veterinary care bills would cause potential hardship for your family. Contact Matt Roenker Insurance Agency
to get a personalized quote for pet insurance.