Comprehensive Pet Insurance Coverage

According to the ASPCA, a pet parent will spend up to about $700 annually on pet food, treats, toys and other needs. Crates, carrier bags, and cages can cost anywhere from about $500 to $600. A routine veterinary checkup or wellness visit can cost anywhere between $50 and $250.

Where the added expense can really impact pet parents is if your dog or cat, for example, has a health issue that’s discovered during routine care, an accident, or your pet comes down with certain illnesses. Without comprehensive pet insurance coverage in place, veterinary care and your vet bills can easily add up. You don’t want to end up paying out of pocket for emergency care vet bills or for an illness that may involve an expensive treatment.

Accidents involving, for example, dog bites, fractures/broken bones, and foreign object ingestion can all cost thousands of dollars to treat. A ligament repair in a dog can cost between $3,000 and $7,000 over and above the expense of X-rays, anesthesia, or follow-up care including physical therapy. A urinary obstruction in a cat often necessitates lab testing, antibiotics, and even surgery, which can cost up to $3,000. You can see why it’s so important to have pet insurance for covered vet bills.

The best pet insurance can be designed to provide comprehensive coverage for accidents, illness, hereditary conditions, exam fees, diagnostics, dental and treatments.

Preventative Care Coverage for Your Pet’s Health

Your pet deserves the best and the most comprehensive coverage available. This includes getting a pet insurance policy that also offers preventative care coverage. You can cover annual exams, heartworm/flea prevention and more.  We can also offer you plans that allow you to choose your licensed vet, specialist, or emergency clinic. Some pet insurance cover vaccines for additional premium.

It’s important to note that an insurance company typically doesn’t provide pet health insurance coverage for pets with pre existing conditions. Some may cover pre existing conditions after a certain waiting period if there haven’t been any recurring symptoms.

Discounts May Be Available

Our insurance agency can also help you identify discounts for which you may be eligible like multi-pet discounts and multi-policy bundle savings.  Discounts vary depending on the type of policy purchased. We will help you find the best pet insurance that fits your budget and gives you the peace of mind that your pets are protected too.

Questions to Ask When Purchasing Pet Insurance Plans

• Is there a waiting period specified in the pet insurance policy before the policy’s coverage can begin?
• Is treatment covered for a hereditary disorder; that is, one that is genetically transmitted from parent to offspring and may cause illness or disease? If your pet has a hereditary disorder, such as hip dysplasia, will this condition be covered?
• Is there a deductible or co insurance clause in the policy that requires the claim reimbursement to be reduced by a predetermined amount?
• If a claim is made, how will this impact your renewal premium?

Pet insurance plans come with an annual deductible and prices vary depending on the breed and other factors such as reimbursement rate and policy terms and benefit limits. Brooks, Todd & McNeil works with licensed insurers to provide you with a pet insurance plan that fits your needs. Our insurance agency is here to help protect the health of your pets. Call us for a free pet insurance quote.