How Does Pet Healthcare Insurance Work?

For many animal lovers, letting your pet go without medical coverage of some kind is unthinkable. Properly caring for the health of a pet can be very expensive without coverage. And affording necessary procedures that could save your pet’s life, in case of an emergency, can be impossible without coverage. It is good news that there are many pet healthcare insurance plans out there and increased competition has made coverage more and more affordable.

As far as the specifics of how pet insurance plans work go, it’s not that different from human health care plans. You, as the owner of the pet, pay monthly or annual premiums for coverage. When healthcare procedures are performed on your pet, a percentage of the cost of those procedures is covered by the company you have your plan with. In some cases, the entire amount is covered.

There are differences in plans for different animal types. Obviously, cats face different health issues than dogs do, rabbits need different care than birds. Therefore, the specifics of the pet insurance plan you go with will be different depending on what type of pet you have.

The age of your pet will also come into play. The older your pet is, the more you will pay and the less that will be covered. Since there is a major distinction in veterinary insurance between routine check ups and life saving procedures, other factors like breed, average life span, and many other factors will determine how expensive coverage will be. Unfortunately for many animals, coverage is too expensive for most owners to afford.