If you feel your pet is a member of your family, you might want to get her health insurance.
If your family views pets as members of the family, then it might be worth it to sign up for insurance. Pet health insurance with preventive care covers different things depending on the company but usually covers accidents, illnesses, routine shots, spaying and neutering and medications. If you are considering enrolling your pet in this type of insurance, it is a good idea to know all the facts and compare the companies available to you.
Companies
There are many pet insurance companies that offer pet health insurance with preventive care plans. These companies that are available in the United States include but are not limited to: Pet First, Pets Best, Hartville, AKC, PurinaCare and Embrace.
Monthly Charge
The monthly charge for pet health insurance with preventive care depends upon many factors: the company, how many pets you are enrolling, your pet's health, your pet's age and potentially other factors.
There might be discounts on your monthly bill if your pet is a service animal, you enroll multiple pets, your pet is microchipped, you pay in full or you are in the military full-time. Again, this depends upon the company.
It also depends on whether you are insuring a dog or a cat, and all the prices listed are as of 2010. Pet First with preventive care typically costs $29.95 a month for a dog and $41.95 a month for a cat. Pets Best with preventive care typically costs $38 a month for a dog and $13.58 a month for a cat. PurinaCare with preventive care typically costs $46.88 a month for a dog and $15.21 for a cat. Hartville with preventive care usually costs $30.50 a month for a dog and $47.31 for a cat. AKC typically costs $33.75 a month for a dog and $45 a month for a cat. Embrace typically costs $53.85 a month for a dog and $42.99 a month for a cat.
Deductible
Deductibles also range from company to company, and the prices are as of 2010. Pet First with preventive care has a $50 deductible. Pets Best has a $75 deductible. AKC has a $125 deductible. PurinaCare has a $250 deductible. Hartville has a $100 deductible. Embrace has a $200 deductible. Typically speaking, the higher the deductible, the lower the monthly cost is going to be and the lower the deductible the higher the monthly cost is going to be.
Coverage
Pet health insurance with preventive care usually covers between 80 percent of any accident, illness, routine shots, microchipping, spaying and neutering, behavioral therapy, physical examinations, medications and sometimes dental care. Embrace covers 90 percent.
All pet insurance coverage has a cap for various treatments. The amount of the caps, or how many caps there are, depend upon the company. None of the pet insurance companies listed will cover pre-existing conditions, experimental treatments or cosmetics.
How it Works
You can go to any veterinarian you want. Print out the claim form from the pet health insurance company website. Fill it out with your veterinarian. Pay the vet bill in full at your time of visit. Send in the claim through the mail or fax it if your company allows. Receive a rebate for 80 percent to 90 percent of the bill in the mail.
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