If you are like most people, you consider your pets a part of the family and want to take the best care of them. Pet insurance lets you do that. If you are unfamiliar with this type of coverage, the information below will bring you up to speed on how you can provide the best veterinary care for your furry friend.

A Beginner's Guide to Pet Insurance

What Is Pet Insurance?

Similar to health coverage for humans, pet insurance pays for veterinary care for your dog or cat if they experience an unexpected illness or injury. It is an important financial management tool that lets you provide the best treatment for your pet even if you are not prepared for the high cost of vet bills.

What Does Pet Insurance Cover?

Most policies cover any necessary emergency treatments, as well as hereditary issues, chronic illnesses, and even cancer. It covers surgeries, prescriptions, X-rays, and even prosthetics. For instance, it is indispensable if your pet should accidentally swallow something toxic, require dysplasia treatment, or be hit by a car.

What Is Not Covered?

Pet insurance does not cover preexisting conditions—like veterinary issues that arose before the coverage went into effect. Also, most carriers do not cover preventative medical visits, like annual exams, cosmetic surgery, spaying/neutering, inoculations, or teeth cleaning.

How Does Pet Insurance Work?

After coverage begins, you must normally wait a week or two before bringing your pet in for treatment, though the waiting period may be shortened for accidents. You'll pay a co-payment each time you visit a clinic, as well as a deductible before your insurer begins to contribute. Co-payment amounts vary by plan, and deductibles may be yearly or per-illness, depending on the carrier. Many insurers offer 100% reimbursement plans with no limit on outlay.

Can You See Any Vet You Prefer?

In most cases, insurers do not put limits on who can treat your pet. This goes for your regular vet and for any specialists required to treat issues that arise during the coverage period.

To discuss your pet insurance options with a friendly, experienced agent, contact Mitchell Insurance Agency LLC in Houston, MO. They have served businesses and individuals throughout Texas County for more than 65 years, specializing in all the coverage types you need, including auto, home, business, farm, and life insurance. Visit their website to get directions to their office or call (417) 967-2140 to request a free pet insurance quote.