Everything You Need to Know About Pet Insurance in Raleigh, NC
Everyone knows that it is extremely beneficial to have health insurance for yourself and your family members in case someone gets sick or gets into some kind of accident, but did you know that there is health insurance for our pets too?
That’s right, now there are pet insurance companies that will help you pay for vet bills.
Pet insurance works in a similar way that health insurance for humans does. You will pay a monthly fee, and in return your pet insurance company will help you cover some of your vet bills.
However, every plan and pet insurance company is different, so it is important that you do your research before picking a pet insurance policy.
In this article we will be explaining everything that you need to know about pet insurance. We will go over how pet insurance works, why you should get it, and how much you could expect it to cost.
In addition, we will be giving you some tips on how you can find the best pet insurance company for you and your pet. Let’s get into it!
Why Should You Get Pet Insurance in Raleigh, NC?
Getting pet insurance for your pet is a good idea because it can actually end up saving you money on expensive vet bills in the long run. This is because most of the time pets tend to develop medical conditions as they age.
It is best to sign up for pet insurance early on, because the rates for signing a young healthy pet onto pet insurance tends to be much less expensive than waiting and signing on an older pet that has a medical condition.
In addition, pet insurance can be a life saver in the case of an accident or injury with your pet. Having pet insurance is great because it gives you peace of mind in case something like this does occur.
You will need to worry much less about how much treatment costs and focus more on getting your pet better.
Are There Different Types of Pet Insurance?
Yes, there are different types of pet insurance. The three different types of pet insurance coverage include accident only coverage, accident and illness coverage, and wellness coverage.
You could choose only one of these pet insurance types, or you could sign up for a premium package that includes everything that these individual plans would cover. The choice is yours!
What Does Pet Insurance Typically Cover?
Remember when we said that there are three different types of pet insurance? Well this can be kind of confusing to people when they are new to the idea of pet insurance. Here we will break down what each type of pet insurance plan covers in detail.
However, it is important to note that every pet insurance company is different, and this description is just a broad idea of what most pet insurance plans will cover.
As a result it is always important to do your own research and read the fine print before signing up for a pet insurance plan. Now, here are what the three different types of pet insurance plans typically cover.
Accident Only Pet Insurance
Accident only pet insurance plans only cover things like sudden injuries that occur as a result of an accident. This can include things like broken bones, bite wounds, and other kinds of unexpected injuries that can happen to your pet.
This can be a good option for those with dogs that are healthy, but you still want coverage in case of an emergency.
Accident and Illness Pet Insurance in Raleigh, NC
Accident and illness pet insurance plans cover everything that accident only plans cover, but they also cover the treatment for selected illnesses as well. These could be relatively small conditions like allergies or UTIs, but they often also include more serious ones such as cancer and arthritis.
It is best to sign up for this type of pet insurance coverage when your pet is still young. This is because many pet insurance companies will either make this plan much more expensive or even completely unattainable for older pets that have just signed on.
As a result it is always best to sign on for this kind of coverage early on to make it much less of a headache later on.
Wellness Pet Insurance
Unlike accident only and accident and illness pet insurance plans, wellness coverage covers the more routine medical expenses that come with owning a pet. This includes things like routine vet exams, vaccinations, and routine health tests.
Although most people just plan to pay for these things out of pocket, this type of pet insurance coverage is becoming an increasingly popular add on to the other pet insurance plan types. This is simply because this type of pet insurance can make average vet bills much more affordable.
How Much Will Pet Insurance Cost?
The cost of pet insurance can vary greatly depending on the insurance company and what kind of plan that you want. Of course, a premium plan will be more expensive than just an accident-only pet insurance plan.
However, there are some other things that can affect the cost of your monthly pet insurance premium. These things include:
- What type of pet you have (dogs are usually more expensive than cats)
- Your pet’s age
- Your pet’s breed
- Where you live
How Does it Work?
Most pet insurance companies work a little differently than most health insurance companies. Instead of actually covering your vet bill, the pet insurance company will reimburse you for it.
For example, let’s say you have a vet bill of $300 and your pet insurance policy will cover about 80% of it. You will still need to pay your vet $300, but your pet insurance company will reimburse you with a check of $240 once you send them the receipt from your vet.
How to Find the Right Company For You
There are several different things to consider when choosing the right pet insurance company for you and your pet. These include the reputability of the pet insurance company, the cost of their plans, and their plan’s deductibles and payout percentages. It can also help to contact a few different companies to compare.
Head over to PetInsuranceQuotes.com to learn more about what pet insurance entails and even get quotes from multiple providers!
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About Bowman Animal Hospital & Cat Clinic
Established in 1986 by Dr. Gale Bowman, Bowman Animal Hospital and Cat Clinic is dedicated solely to the health and well-being of our pet community. We are a team of compassionate veterinarians and pet lovers who invest our time and resources into providing the very best medical care to your pet.