Keeping your furry loved ones healthy and protected are the main benefits of pet insurance. The policy can cover a variety of veterinary services, including treatment after an accident and specialty care for serious conditions. Some homeowners insurance policies offer this type of coverage. If you’re considering it, here are a few common questions pet owners have about these policies to help you make a decision.

4 FAQ About Pet Insurance

How does pet insurance work?

With most standard policies, a pet owner pays a monthly premium for coverage. When treatment is needed, you present your pet insurance card to the veterinarian’s office. Depending on your plan, you may have to pay a co-payment before the insurance provider picks up the rest of the tab. Other plans require you to pay the vet’s bill first and then submit a claim to the carrier for reimbursement.

What types of services are covered?

A typical pet insurance plan can include injuries from a range of accidents, as well as treatment for illnesses. Some policies extend coverage to emergency visits, hereditary and congenital conditions, cancer, and other chronic disorders. If your homeowners policy includes pet insurance, be sure to get detailed information on what services are covered. 

What services are not covered?

Preexisting conditions are generally not covered. This might include hip dysplasia, dental procedures, and aggression issues. As you seek out coverage, ask whether routine vet checkups and preventative care are also included, since many policies exclude these.

Is there a limit on coverage benefits?

Each policy will vary. Some may cap the amount of yearly benefits while others offer no limits. There are typically annual maximum payouts based on the type of injury or illness and type of treatment. Some policies also include a maximum lifetime payout, which can go up to $200,000 and dictate the amount the carrier will pay for the entirety of the animal’s lifespan before the policy is automatically terminated.

Northwoods Insurance Agency in Crandon, WI, is proud to feature coverage for all members of your family. Serving the upper Northeast Wisconsin area, this independent firm offers affordable pet insurance, which includes access to any licensed veterinarian, specialist, or emergency facility in the United States, Puerto Rico, or Canada. If you request a quote today, you could be eligible for a 5% discount. Learn more about their pet policies online or call (715) 478-2215 to discuss your needs.