3 Things to Make Sure Your Pet Insurance Covers

Image source: Getty Images

Don’t buy pet insurance without reading this.

Key points

  • Pet insurance provides essential protection for our animal companions.
  • It is important to make sure that all the stories are complete, however.
  • There are several things that are important to ensure that pet insurance will pay, including tests to diagnose problems and other treatments for certain conditions.

Pet owners should purchase pet insurance as soon as they bring an animal into their home. Buying pet insurance will help pet owners provide quality care for their furry family members without worrying about the cost – or going into debt to pay for care if they don’t have the money in the event of an emergency.

But when buying pet insurance, not all products are created equal. Some provide more information than others. Pet owners will want to make sure their animals are covered by insurance – which means making sure the policy covers all three things.

1. Diagnostic tests

One of the most important things to check if the policy is related to the examination of injuries or diseases. Most pet insurance policies cover medical care, but not all insurers offer the necessary tests to get a pet diagnosed. For pet owners whose policies don’t cover exams, out-of-pocket costs can be very high.

Now, it’s not unusual for pet insurance companies to pay for routine exams or health tests. Such provision is not part of an accident-and-injury policy, mainly because pet insurance is designed to deal with problems – unlike most public health insurance policies that pay for preventative care to try to resolve issues before they start.

Pet owners who want to ensure that routine exams are covered can also purchase an additional health plan that will cover annual exams and things like vaccinations. But paying for such additional protection is not always worth it because sometimes the cost of the payment is equal to or exceeds what would be spent on regular care over the course of the year.

2. Chronic conditions

Another important thing that pet owners may want to check is whether the insurance covers critical illness. That’s because some insurance companies set a limit in each case on the amount they will pay to solve a particular medical problem.

Now, to be clear, most pet insurance policies have lifetime limits, annual limits, and even caps for any or all events. But it is important to know what the rules are when the treatment stops and how much care the insurance will pay before the owner is alone.

That’s because some serious medical problems can be expensive and last for years, so owners will want to know as soon as possible if there is a time when pet insurance will no longer cover treatment.

Owners also need to be prepared because no pet insurance covers pre-existing conditions. Therefore, if the pet is diagnosed with a medical problem before the time the insurance is purchased, any medical treatment will not be paid.

3. Alternative therapies

Sometimes, pets have a medical condition that can be treated with other treatments. This may include things like chiropractic care or acupuncture. Some pet insurance policies offer this type of medical coverage and some do not. If a pet owner thinks they may want to take action to help their pet, it will be important to make sure the insurance will pay.

Ultimately, pet owners should read the fine print of their policy carefully to make sure they are getting the most bang for their buck. Their animal companion’s life could depend on it.