When you are looking for cheap pet plan insurance for your dog, cat or exotic animal, it is important to find a company that can tailor your individual needs and circumstances. Knowing the different items that can be covered under your pet plan insurance will allow you to make an informed decision.
Basic Coverage from a Pet Plan Insurance Policy
The most basic pet insurances will have coverage for vets' fees in case your pet needs preventative care, tests, medications and hospitalizations. It may also cover anesthesia costs, x-rays and any other medical tests that are needed.
Extra Benefits and Options from a Pet Plan Insurance Policy
Another coverage that can be provided on your policy can include legal liability which would cover you in case your dog bites another person and they decide to sue you.
Some people also may decide to add kennels or boarding to their coverage if the family travels a lot or if you need to go into the hospital for any reason.
You can even add holiday cancellation insurance to your pet insurance policy in case you have to cancel a vacation due to your pet being injured or ill.
Most of these insurances also cover the costs of advertising and the rewards if your pet is lost or stolen.
Another additional option would be transportation costs or personal accident coverage. The transportation cost would cover the money it takes to transport your pet to and from the veterinarian's office and the personal accident coverage covers any hospital or doctor's bills if your pet bites you. Personal accident coverage also entitles you to lost pay due to not being able to work if your pet bites you.
Pre-existing Conditions and Other Treatments from Pet Plan Insurance
Most pet insurances generally do not cover pre-existing conditions or certain vaccinations as well as booster shots. They also may not cover worming treatments, nail clipping, spaying or neutering, flea treatments, micro-chipping and even some illnesses that may arise in the first 30 days of the policy. Other items that you may want to be aware of that your pet plan insurance policy may not cover are dental treatments, pets that are used for work, racing, guard dogs, or any sort of commercial gain, special foods, pregnancies, any veterinarian home visits, or dogs that are considered dangerous. Congenital or hereditary conditions are also not usually covered.
Lifelong Coverage from Your Pet Plan Insurance Policy
Other options to your pet plan insurance are lifelong coverage. This type of pet insurance coverage helps you when you want to adapt the policy to fit your needs better. Time-capped coverage may cover your pet for a certain amount of time. There is also financially-capped coverage which would cover your pet up to a certain amount within a particular time frame. In essence, financially-capped coverage may only pay the first $2500 of a $5000 vet bill. There is also the best form of "lifelong coverage." This is when a pet plan insurance company will pay up to a certain amount for as long as your pet needs care.