Low cost veterinary insurance can save you tons of money, should your pet need help. There are many providers to choose from, all offering different policies, some expensive, some inexpensive. For many, the amount of money spent on the policy makes it worth the price. Many policies for your pet will start in the $10 per month range. Why is it so inexpensive? Is there a catch? Who provides low cost veterinary insurance? If you want a policy for your pet, you have plenty of options, and things to consider, before you sign on the dotted line.
There are many companies that offer low cost veterinary insurance. You can find them with a simple internet search. To make the search a little easier, I'll focus on some of the providers you may want to check out. Prices are going to vary, and the coverage will vary quite a bit as well. Here are just a few of the low cost veterinary insurance companies out there that will provide coverage for your pet.
QuickCare: You will be able to find low cost veterinary insurance through this company. The company has been around for a little over a decade now, founded in 1998. They offer policies for dogs and cats, at really reasonable rates. They serve a total of 46 states, so there's a good chance you could get low cost veterinary insurance for your pet through this company.
VPI: VPI, or Veterinary Pet Insurance has many low cost options for coverage. You can get an inexpensive policy to cover dogs, cats, exotic animals, and birds. They state they are the nation's oldest and largest pet coverage provider. You are sure to find low cost veterinary insurance to suit your needs with one of these policies from VPI.
Online searches: You are going to find thousands of results for low cost veterinary insurance. Be sure to compare the policies apples for apples, so you make a great choice. There a many smaller companies out there with really good coverage.
Locally: You may actually be able to get low cost veterinary insurance from your veterinarian. Some larger animal hospitals are actually offering this as an option to their customers. You can decide if this type of plan is right for your pet.
Some people are surprised to learn how reasonable priced the policies are. This makes low cost pet insurance an intriguing option for many. Many policies can be purchased for as little as $10 per month. This is not very expensive. In addition, many companies will offer you a free low cost pet insurance quote. This can make shopping very quick, especially online.
Of course, just like any other form of coverage, there are some more expensive plans. You really need to decide how much coverage you need for your pet. You can expect companies to try to "up sell" you a more expensive policy. Be sure to make an informed decision, and take all the information into account when you look at low cost veterinary insurance for your pet.
As you likely suspect, there are ways to keep the price a little lower, so you can actually get low cost veterinary insurance. By having a higher deductible, you will get a lower rate. By having smaller maximums, you will get a lower rate. Co pays and maximum out of pocket amounts will also play into the price. To keep it inexpensive, some pet owners go with a policy with a little higher deductible, and slightly larger co pay amounts. You will need to make this decision when you look into low cost veterinary insurance. It's a risk if you limit the coverage too much, in case you should ever need to use the policy. If you don't limit the policy, you may pay too much, if you never need to use it.
There will be several limits placed on your low cost veterinary insurance. Some of the most common are for pre existing conditions. If your pet has a condition deemed pre existing, there may be little, or sometimes no coverage offered. Other limits, like out of pocket expenses will vary greatly by policy. This is why you really need to attempt to do an apples to apples comparison with low cost veterinary insurance. If you don't compare the policies this way, you will get skewed results. Be sure you get quotes for the exact same coverage, whenever possible, for accurate comparison shopping.
Without any limits placed on the low cost veterinary insurance, the premiums would be very high. For those that want very minimal co pays, and very low out of pocket limits, the premiums will be much higher. If you are comfortable with this, it is an option. Those preferring low cost veterinary insurance for their pet will likely need to adjust the limits on the policy accordingly. It really all depends on how much the pet owner would like to spend on the policy. If you are willing to spend a lot of money, you can get a policy that will cover virtually everything, with almost no out of pocket expense.
What is covered?
The type of low cost veterinary insurance you select will really dictate what sort of coverage you get. Generally speaking, preventive care, like vaccinations are not covered. This is a generality, and may vary by policy. Some more lavish policies will cover dental work, and even acupuncture. Those looking at low cost veterinary insurance are less likely to get that sort of benefit. It really does vary quite a bit by policy.
Most low cost veterinary insurance policies will cover any accidents your pet has. This could mean surgery in some cases. Most sickness will be covered as well, so the treatment may very well be covered in your pet's policy.
As noted, you generally will not receive any form of coverage with pre existing conditions with most low cost veterinary insurance plans. If your pet has a lot of conditions, it may not pay to get the coverage. Since the coverage varies so much, it's wise to talk to an agent directly to find out exactly what is covered in the policy.
Is it worth it?
This is really more of a personal choice. Some will not go without low cost veterinary insurance, while other pet owners think it's a waste of money. It's really up to you.