All About Pet Insurance

We have insurance for just about everything: our homes, cars, health, valuables… did you know that your pet’s health can also be insured? When you know about the basics of pet insurance, you can decide whether or not a plan is the right choice for you and your family. Learn more here from a Cameron Park, CA veterinarian.

How Does Pet Insurance Work?

Pet insurance works like the other types of insurance that you’re familiar with. You’ll pay a premium—often on a monthly basis, but perhaps on a yearly or twice-annual basis depending on the plan you choose—and have a set deductible and co-payment amounts. If an accident, unexpected illness, or other medical scenario occurs, you’ll have a certain amount of time to file a claim with the insurance provider for reimbursement.

What’s the Benefit?

Like other types of insurance, the benefit of pet insurance is that you’ll have help paying for sudden high costs when an unexpected issue occurs. You won’t be blindsided by expensive veterinary bills if your pet has an accident or comes down with a serious illness! Pet insurance may be especially helpful for pets or specific breeds with pre-existing conditions, senior pets who may be prone to accidents or illness, and young pets who aren’t yet fully developed.

What Are Pet Insurance Plans Like?

There are different types of pet insurance plans out there, all designed to provide a range of choices. Some plans are accident-only; as the name implies, these plans only cover medical expenses that result from accidental injury. Others cover illnesses and behavior problems, while still others might extend to cover alternative care like acupuncture and Eastern medicine techniques.

Can I Keep Using My Current Vet?

Yes, most pet insurance plans will allow you to continue using the veterinarian you and your pet are familiar with, rather than specifying a veterinary practice or veterinarian that you must use. If a plan does not allow you to keep using your trusted veterinarian, it’s worth looking elsewhere for coverage!

What If I Own More Than One Pet?

Do you own multiple pets? You’re in luck—many pet insurance providers offer plans designed to help cover two or more animal companions. These plans might offer discounts when you enroll, or have specific provisions for multiple-animal care.

For more information about the ins and outs of pet insurance, call your Cameron Park, CA vet.

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