Does pet insurance cover vaccinations, checkups, and other wellness care?

No. Pet insurance is a financial safety net that helps pay for unexpected illnesses and injuries. If you’re interested in a wellness plan, ask your veterinarian if they offer one.

If my pet had an issue in the past but recovered from it, is that condition coverable in the future?

It depends on the provider. Look for a company that will reinstate coverage for curable pre-existing conditions (e.g., an ear infection) after some time with no relapse. Pet insurance rarely covers an incurable pre-existing condition like cancer or diabetes. This is why it pays to insure pets while they’re young and healthy!

How is the cost of my policy calculated?

Typically, your premium will depend on your pet’s age, breed and the ZIP or postal code you reside in, and can be adjusted up or down depending on the policy options you select (deductible, reimbursement rate, etc.).

How I do file a claim?

You can file a claim by completing a claim form and sending it to your provider with copies of your paid invoices, then asking your vet to forward your pet’s medical records to your provider. This can be done by fax, mail or email. A few companies make it even easier by letting you send paperless claims via their app.

Tag: Pet Care

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