What exactly does an insurance policy for animals cover?
Standard pet insurance coverages cover treatment for injuries resulting from accidents. Some policies cover illnesses, surgeries, tests, and research. However, you should know that not all expenses can be compensated.
Types of pet insurance
There are three main types of insurance: accident only, accident and illness only, and health only. Before taking out a policy, you need to clarify in detail what pet insurance covers.
Each insurance company has its terms and conditions. For example, they all cover hip injuries. However, not all insurance companies compensate for damages to cats older than ten years.
Insurance against illness and accident
Comprehensive poles cover injuries that occur due to accidents and certain illnesses. It can be a mild disease that arose for unknown reasons or age-related complications. The policy compensates for examinations, surgical interventions, and the purchase of prescription drugs.
It should also be noted that insurance compensates for the costs of treatment of congenital and hereditary diseases. But it is important that the defect is discovered after the policy is issued. In some cases, the insurance covers the treatment after a specific time after its registration.
The main advantages of this type of insurance are:
compensation for the treatment of injuries caused by accident;
covers almost all diagnoses made by a veterinarian;
suitable for breeds with weak health;
may include payment for wellness procedures for a separate fee.
It should be noted that the insurance does not cover routine care procedures. Poles have a much higher cost and amount of monthly payments. You should ask in advance what does pet insurance cover.
Insurance does not cover costs due to conduct. If your dog injures another animal, you will have to pay for the treatment out of your own money.
The central diseases that are compensated by an insurance policy for animals
Most insurance covers cancer treatment and all related procedures. Before taking out a policy, you should know what is covered by pet insurance. Companies usually pay for the treatment of the following diseases in dogs:
Cat owners offered policies that cover:
problems with the hip joint;
type 2 diabetes;
These are the major diseases that can be covered by insurance. However, it is necessary to remember that the company can change the list. That's why it's best to ask what does pet insurance cover for cats before buying a policy.
Some insurance complexes may include wellness complexes. In short, there are also special supplements and various types of therapy necessary for the animal's good health.
Accident insurance only
This insurance is more affordable. It should be issued for young, active animals that do not have diseases.
Before signing up, you need to know what is covered with pet insurance. An accident-only policy covers dangerous situations that arise out of its own fault or are caused by the owner.
swallowing foreign objects;
wounds of various kinds;
diagnostic procedures (MRI, X-ray).
It should be noted that the insurance does not compensate for injuries caused by specially created situations. If the dog has participated in fights or races and is injured, the policy will not cover treatment.
How much does pet insurance cover depend on the terms of the policy? Not all companies compensate for tick, wasp, or flea bites. It is essential to carefully read the conditions in order to choose the necessary insurance option.
Features of health insurance policy
Health insurance is purchased together with another complex. It covers basic veterinary procedures. There are companies that compensate for pet training and other services.
Usually, the insurance covers:
preventive procedures against the appearance of fleas and ticks;
The policy does not cover pregnancy and all expenses caused by the reproduction of a pet.
Features of animal insurance
Even if there is an insurance policy, you have to pay for the treatment of the animal yourself. After surgery, therapy, and purchase of all the necessary medicines, you must submit documents to the insurance company. The company will compensate for all costs and transfer the interest that is stated in the paper.
It should be taken into account that the insurance does not cover diseases that existed before the purchase of the pole. If the animal shows no signs of illness, the policy can be issued. It is worth clarifying does pet insurance cover surgery or not.
Expensive insurance will cover more of the treatment costs. However, one should pay attention to whether it is economically feasible.