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For many people, their pet is more than just a furry friend–they’re a member of the family. If you feel this way, you likely care about being able to provide your dog or cat with high-quality animal health care. You may even have considered purchasing pet health insurance. Woodworth Animal Hospital, the leading veterinarian and animal clinic in Waynesboro, VA, discusses some important facts about this coverage in the following sections to help you determine if buying a policy makes sense for you.

4 Things Your Veterinarian Wants You to Know About Pet Health Insurance 

Vets Don’t Bill Insurance Providers

VeterinarianUnlike human doctors, vets and animal clinics don’t typically bill insurance providers directly. You will likely have to pay out of pocket with cash or a credit card and file a claim with your insurer for reimbursement. This transaction can sometimes take weeks or months to complete.

Premiums & Deductibles Vary

Monthly premiums and deductibles vary by policy and pet, but buyers normally pay about $40 per month for accident and illness coverage for a dog and about $25 for a cat. Deductibles can be on an incidental or yearly basis.

Plans Have a Cap

Most plans have a set yearly maximum outlay, typically between $10,000 and $15,000, though some are lower. Some plans let you choose the cap amount yourself and adjust the monthly premium accordingly.

Major Outlays Usually Occur Only Once or Twice

When considering pet health insurance, remember that most pets will only require expensive outlays for veterinarian treatment once or twice in their lifetime. If you can afford a large, one-time payment for animal health care, insurance may not be appropriate. However, if you can’t, insurance will help you to tackle expenses. 

Woodworth Animal Hospital, an experienced, compassionate veterinarian and animal clinic in Waynesboro, VA, offers comprehensive, collaborative pet care and pet boarding services for clients in the community. Visit their website to schedule an appointment, or call (540) 942-5163 to speak with a friendly professional.

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