Understanding how pet insurance works and choosing the right coverage options for you and your furry friend can help give you the financial protection you need to keep your pet's health front and center. With our partner, Petplan, you'll never have to choose between your best friend and your budget.
types of pet insurance you can buy
Petplan offers 3 tiers of coverage so you can tailor a policy to fit your finances (and Fido or Fluffy's needs). Explore your options so you can help keep everybody's tails wagging:
The most basic of the plans, the bronze package covers $10,000 in veterinary fees per policy term.
One step up from bronze, the silver package provides financial protection for you and your pet at the following limits:
- $14,000 for veterinary fees per policy term
- $250 for boarding kennel fees if you get sick and need to put your pet up temporarily
- $250 for the cost of advertising or offering a reward if your dog or cat goes missing
- $250 for loss due to straying or theft
If you want even more extensive coverage for your pet, you can opt for the gold coverage package, which protects your dog or cat with the following coverages and limits:
- $22,000 for veterinary fees per policy term
- $500 for boarding kennel fees
- $500 for advertising and reward
- $500 for loss due to theft or straying
- $1,000 to help cover expenses related to a pet's death due to illness or injury
- $1,000 for vacation cancellation if you had to put your plans on hold due to your pet getting injured or showing signs of illness
coverage highlights of a pet insurance policy
The American Veterinary Dental Society estimates 80 percent of dogs and cats over age 3 have periodontal disease. With pet insurance from Petplan, you'll have help paying for treatment if your fuzzy friend develops dental problems.
And Petplan covers bilateral conditions too, which are ailments that can occur on both sides of the body (like the eyes, ears, knees, and hips). Many providers exclude both sides from coverage if there's already been a problem in one — but with Petplan, the unaffected side is still covered if it needs treatment in the future.
So even if your pup got treated under a different insurer for left-hip dysplasia, say, a new policy with Petplan will still provide coverage for right-hip dysplasia should your dog experience it down the road under Petplan's coverage.
choosing a deductible for your pet’s policy
Petplan offers 3 affordable deductible options: $50, $100, and $200. Once you pay your deductible, your dog or cat's treatment is fully covered by the plan. Remember, the higher your deductible, the lower your pet insurance premium will be — but you'll be responsible for more of the vet bill if you ever need to file a claim.
choosing a reimbursement rate for your pet’s policy
With Petplan, you choose your level of reimbursement for veterinary services. If you choose 100 percent reimbursement, you'll be fully reimbursed up to $22,000, depending on the coverage package you choose, for the charges accrued by your pet's treatment (minus your chosen deductible).
Choosing 100 percent reimbursement means you'll pay a bit more toward your pet insurance premium, but it could also save you thousands if your pet has to undergo some intense treatment.
If you choose 80 percent or 90 percent reimbursement, you'll pay less toward your annual premium, but veterinary services will cost you more out of pocket at the time of the incident.
Wonder if you could be saving on pet insurance?
Get your free quote online.
Or call 1-800-214-0638.
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