The Truth About Pet Plans

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So, think about the following situation. You just got a new dog from the local shelter, and he or she is a happy and healthy five-month pup. And everything goes on perfectly in your daily routines, while he or she seems to grow up healthy. Still, one morning you find him or her on the floor of your kitchen with little to no interest to get up and greet you. Of course, you rush the furry friend to the vet’s office, and you discover he or she injured a knee. This was why he or she wasn’t feeling so good in the morning. And as what a responsible pet owner will do, you ask about the treatment. The veterinarian says your pup will need immediate surgery, post-op recovery therapy, and a spay. The total costs for such expenses exceed $5000. So, what do you do next? 

To tell you the truth, most pet owners in this situation will go into financial distress to find a way to cover the costs. However, you can avoid this by enrolling in a pet insurance plan. Indeed, the insurance won’t come with a 100% reimbursement, but it will help you cover up to 90% of the bill, depending on what you purchased.

What pet plan is the best?

This is a common question amongst pet owners, and it has no exact answer. Insurance must be tailored accordingly to your pet’s needs. This means you need to research and compare different quotes and policies from various providers. There are plenty of US pet insurance companies that can help you offer the best care for your pet. Many pet owners use the services of one of the following providers:

  • HealthyPaws,
  • Petplan,
  • PetFirst,
  • Nationwide,
  • FIGO,
  • PetsBest,
  • Nationwide,
  • Trupanion,
  • 24hour Pet Watch.

Such companies are great for receiving financial help in case of a pet emergency due to an accident or sudden illness. The coverage is established based on the plan you purchase, but in most situations, you will pay up-front and receive a later compensation.

It might seem a bit challenging to settle for a provider, as there are plenty of offers on the market. Some companies might get you access to wellness plans, others might only reimburse you for accidents. Cancer might or might not be covered. So, to make an informed decision for your pet’s future, it is always best to check the details of several pet plans from distinct providers. To receive more detailed information about different pet insurance companies, you can use special sources, like details about Trupanion on Pet Insurance Finder and be sure to make your perfect choice.

What is the average price for such plans?

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The price of your policy is established based on the features and amenities you expect to receive. The coverage, co-payment or deductible, along with your pet’s breed and age have a direct impact on your monthly premium. It is essential to compare distinct rates from distinct companies so that you can find a plan that matches both your pet’s needs and your budget. Also, it is best to take into account that most plans are created for healthy pets with no pre-existing problems. This means you won’t get coverage for an existing health problem. As such, you should get a pet plan when your furry friend is still young.

Mainly, a policy can cost between $25 and $70 per month for a dog and between $10 and $25 per month for cats. All plans will have you pay upfront for the costs and request a reimbursement afterward. For this, you will need a detailed invoice from your veterinarian. Overall, you might be eligible for reimbursement between 80% to 90% based on the health issue.