As a pet owner, you want to do everything you can to keep your furry friend healthy and happy. But accidents happen, and pet insurance can help alleviate the financial burden of unexpected vet bills.
At Marilyn Todd Insurance, we understand that your pet is a member of the family. That’s why we offer comprehensive pet insurance plans that can help cover the cost of medical care if your pet becomes ill or injured.
Get your free quote today!
What Is Pet Insurance?
Pet insurance is a type of insurance that helps cover the cost of veterinary care if your pet becomes ill or injured. Most pet insurance policies reimburse you for a portion of your vet bills, and some policies even cover preventive care, like vaccinations or routine care costs like checkups.
While pet insurance coverage can’t prevent injuries or illness from happening, it can help ease the financial burden of unexpected vet bills. That way, you can focus on what’s most important-taking care of your pet.
How Does Pet Insurance Work?
Pet insurance policies work by reimbursing pet parents for a portion of their veterinary bills. Most pet insurance policies have an annual limit on the amount they will pay out, and some policies also have a per-incident limit.
To file a claim, you will need to pay your veterinary bill in full and then submit a claim form to your pet insurance company. Your pet insurance company will then reimburse you for a portion of the cost, based on the terms of your policy.
What Does Pet Insurance Cover?
Pet insurance policies vary, but most plans cover accidents and illnesses. Some policies also cover preventive care, like vaccinations. And some pet insurance companies offer additional coverage for things like routine care, boarding, and grooming.
Get a pet insurance quote from Marilyn Todd Insurance today to get an idea of how all that pet insurance can cover for your pet. We make it easy for pet parents and pet owners alike to understand their policy inside and out.
How Much Does Pet Insurance Cost?
The cost of pet insurance depends on several factors, including the type of pet, the age of the pet, where you live, and the level of coverage you choose. Most pet insurance policies have a monthly premium, and you may also have to pay a deductible, co-pay, or coinsurance.
To get an idea of how much pet insurance coverage might cost for your pet, get a pet insurance quote from Marilyn Todd Insurance today.
How Much Pet Insurance Do I Need?
The amount of pet insurance you need depends on several factors, including the type of pet, the age of the pet, the pet’s breed, and your budget. If you have a pet with a history of health problems, you might want to consider a policy with a higher limit. Or if you’re on a tight budget, you might want to choose a policy with a lower limit.
To find out how much pet health insurance you need, talk to an insurance agent at Marilyn Todd Insurance. When you embrace pet insurance, you not only ensure your cat or dog is covered, you create a financial safety net ensuring that any decision about your pet’s health isn’t a financial one.
Typical Types of Coverage
There are two types of pet insurance–accident only and comprehensive. The good news is that both can help with your vet bill!
Accident-only pet insurance covers veterinary bills if your pet is injured in an accident, like being hit by a car. Comprehensive pet insurance also covers veterinary bills for accidents, but it also covers illnesses. Some comprehensive pet insurance policies also cover preventive care, like vaccinations.
Marilyn Todd Insurance offers both accident-only and comprehensive insurance plans. The best pet insurance is the one that fits your needs. We can help you compare rates and coverage options from multiple carriers to find the best policy for your situation.
Give us a call today to get a quote, and be sure to ask about our discounts for multi-pet households.
How to Choose the Best Pet Insurance for Your Dog or Cat
When it comes to pet parents caring for their fur babies, we know there is no one-size-fits-all solution. The best pet insurance policy for your dog or cat will depend on a variety of factors, including your pet’s age, health, and breed. Be sure to ask your licensed veterinarian about any pre existing conditions your pet may have.
Pet Insurance FAQs (Frequently Asked Questions)
Do I Need Pet Insurance?
There is no one-size-fits-all answer to this question. The best way to determine if pet insurance is right for you is to talk to an insurance agent and your veterinarian about your specific situation. While some people absolutely dread unexpected vet bills, other people don’t seem to mind. At Marilyn Todd Insurance, we have seen our own employees embrace pet insurance to ensure that their animals are covered.
Does Pet Insurance Cover Pre-Existing Conditions?
No, pet insurance does not cover pre-existing conditions. A pre-existing condition is any illness or injury that your pet has before you enroll in a pet insurance policy. Ask your licensed vet what pre-existing conditions your pet may have.
What is a Waiting Period?
A waiting period is the length of time you have to wait after enrolling in a pet insurance policy before it takes effect. For example, if you enroll in a policy on January 1, and the waiting period is 14 days, then your pet will be covered starting on January 15. The sooner you embrace pet insurance coverage, the sooner your pet will be covered.
Is the bill covered, or do I get reimbursed?
The short answer is: It depends. Some policies provide coverage up front and pay the vet bills directly. Other policies, such as the aspca pet health insurance policy require you to pay first, then submit claim forms for reimbursement.
What is Covered by Pet Health Insurance?
What is covered on your policy depends on where you buy it. Typically, these things have at least some level of coverage.
- Exam fees
- Fees for routine vet visit
- Emergency care
- Ear infections
- Broken bones
Pet Insurance Related Terms
- Pre-existing Condition
- Waiting Period