Pet health insurance plans are not subjected to the rules and regulations that keep making human health plans less effective and far less affordable. Because pet health insurance is a choice, not a mandate, the industry still offers competitive rates, a wide range of offerings, excellent customer service and other benefits that make the investment worthwhile. That may be a surprise within itself, and here come four more.
You don’t have to hunt for specific veterinarians who honor your plan.
Using pet insurance involves the same steps you normally take when you take your pet to the vet. You see the vet, then pay the bill. You then send a copy of your invoice to your pet insurance company, which reimburses you as outlined in your policy. You can stick with your trusted vet, or any other vet you choose, without having to worry if the clinic honors your plan. The insurance company works directly with you, not through the vet.
Pet health insurance typically costs far, far less than human health plans.
Even though veterinary bills and doctor bills can both soar to extreme amounts, health insurance for pets is generally much less expensive than health insurance for people. A comprehensive plan that covers accidents and illnesses can cost less than $25 month. The only time human health insurance could beat that price was back in the 1920s when private health insurance plans first began.
You can pick and choose your pet’s coverage options.
Unlike human insurance plans that come with a bundle of mandated coverage options you may never want or use, you can pick and choose specific pet insurance options to best suit your pet’s needs. You opt for plans that cover:
- Accidents only, such as broken bones or other injuries
- Wellness care, such as regular vet visits
- Illnesses, hereditary and congenital diseases, such as cancer or hip dysplasia
- All of the above
You also often get a choice of the deductible you want to pay, the percentage of the vet bill you want to get reimbursed and, if applicable, the annual coverage limits. Several pet insurance plans have no annual coverage limits – and no lifetime limits, either.
Most pet insurance plans don’t drop your pet when he gets old or sick.
One of the most formidable offers from many companies is the promise to keep your pet enrolled for life. Even if your pet needs costly surgery, develops a chronic disease that requires constant medical care, or starts having health problems as he ages, your pet would be enrolled for life.
Getting started with pet health insurance is easy, which may be another surprise. You can get a quick quote from one of the top trusted companies reviewed at PetInsuranceU.com and, if you like what you’ll pay, enroll within minutes. Millions have already discovered how beneficial pet health insurance can be for saving money and sustaining your pet’s good health.