Pet Health Insurance St Augustine
Pet insurance helps pay for your pet’s unexpected veterinary care. As pet parents, we want to provide our dogs and cats with the best possible care, no matter what. But when accidents and illnesses come up unexpectedly, the costs can quickly run in to the hundreds, and even thousands, of dollars.
Pet medical insurance helps you pay your unexpected veterinary bills. When your pet has an accident or becomes ill, you have help covering the costs. With Pet Health Insurance you can follow your veterinarian’s recommended course of treatment knowing that your pet health insurance will help provide you with financial peace of mind.
Health care can get costly without pet insurance.
Just like everyone else in your family, pets get sick sometimes. In fact, one in three pets will need unexpected veterinary care each year. And it isn’t just older dogs and cats, either. According to 2010 pet health insurance claims data, dogs under the age of one are actually 2.5 times more likely than their older brethren to have an unexpected visit to the vet. And while every parent wants to provide their pets with the best care possible, sometimes the high costs can force you to ask your vet for less expensive alternatives.
Every six seconds, a pet parent is faced with a vet bill for more than $3,000.*
These days, there are more lifesaving diagnostics and treatments – like MRI, surgery and chemotherapy – available to our pets than ever. But with advancing veterinary medicine comes rising costs. According to the American Veterinary Medical Association, the cost of veterinary care has more than doubled over the past 10 years.*
You want to make the best decision for your pet, regardless of cost.
That’s where pet insurance comes in. By insuring your pet’s health, you can have peace of mind that, should your pet get sick or injured, your costs can be covered. After all, when your four-legged family member isn’t well, the last thing you want to do is worry about how you’re going to pay for it all.
Pet Health Insurance helps you say goodbye to unexpected vet bills.
How does pet health insurance work? They help you afford the best possible care for your pet. What’s more, using pet insurance is simple, too! Once your pet is insured, should an accident, injury or illness occur, just follow these three easy steps to get reimbursed:
Step 1 Get treatment
Step 2 File a claim
Step 3 Get reimbursed
Depending on which plan and deductible you’ve selected, you’ll get a large percent of your vet bill minus your co-pay, typically within five to 14 days of submitting your completed claim.
Top five questions asked about how pet insurance works:
1 Can I use my current veterinarian?
Yes! pet health insurance allows you to use any licensed veterinarian anywhere in the U.S. or Canada. So, if you are out of town or on vacation with your pet, you can still claim for a visit to the veterinarian.
2 Will Pet Insurance reimburse me what my vet charges?
Yes! If your pet has an accident or falls ill unexpectedly, pet health insurance will reimburse you what your vet charges, including the exam fee, based on the policy, co-pay and deductible you have chosen. No complicated benefits schedules. No “usual and customary” fee limits. Just straightforward, reimbursement of your vet fees, plain and simple. See for yourself by using the claim calculator on the right!
3 Do I have to pay extra to have hereditary/congenital/chronic conditions covered?
No. With pet health insurance, coverage for hereditary and chronic conditions are covered, for the life of your pet, as standard*. That’s the pet health insurance advantage.
4 Will my pet’s pre-existing conditions be covered?
Like all pet insurance providers, pre-existing conditions are excluded from coverage under pet health insurance pet insurance policies. However, we recognize there are two types of pre-existing conditions: those which can be cured, and those which cannot be cured. Some examples of a curable condition include, but are not limited to: respiratory infections, urinary tract infections, vomiting, diarrhea and bladder infections. If your pet has experienced a curable condition prior to enrolling in a pet health insurance pet insurance policy, the condition, while pre-existing, may be eligible for coverage after an exclusionary period.
5 Do pet health insurance policies cover routine care?
No, pet health insurance pet insurance policies do not cover routine care. Our policies are designed to give you the most comprehensive protection against unexpected vet bills for the best possible value. Our more than 35 years of experience shows us that insurance for regular, scheduled treatments can come at the cost of coverage of your pet’s unexpected, and sometimes critical, health care costs.
Additionally, our data shows that routine care coverage can artificially inflate premiums for all policyholders and can represent poor value for the policyholder.