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Aspca Pet Insurance??? ?

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Aspca Pet Insurance??? ?

Postby Teijo » Wed Sep 27, 2017 2:27 pm

Read the fineprint. See what it covers, what it doesn't cover. The most important is to see if it covers pre-existing conditions because some companies don't, and you realize that when you take your dog to the vet for a problem your never had before only to find out it's because she never had symptoms but it is pre-existing and your insurance won't cover it!

Also, see how much it covers per year, if there's a caps, how much % of the total bill per visit it covers, whether or not it covers prescriptions and tests, etc. And check to see if your premium rises if you've filed claims etc.
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Aspca Pet Insurance??? ?

Postby kevyn37 » Mon Oct 02, 2017 6:54 pm

I'm glad to hear that you are considering pet insurance! Pet insurance is good for unexpected accidents and illnesses. They can get expensive quickly, so it's nice to have insurance to cover the costs. Pet insurance does not cover pre-existing conditions, so if your new pet is already sick or injured, it is unlikely that pet insurance will cover the costs to treat it.

For other costs like regular exams and vaccines, it's best to self-budget since these costs are expected. Some pet insurance companies offer coverage, but it is typically not cost-effective. (Imagine paying an extra $200 per year on your premiums for $200 worth of routine coverage...)

A few good questions to ask when researching pet insurance are:

1. Does the policy cover everything? Hereditary and congenital issues?

2. What are the payout limits? Will it be enough money for my worst case scenario?

3. How much does it cover for each condition?

4. What are the pricing and deductible options?

5. Is it an ongoing policy? If my pet has an illness during my first policy year, will it be covered the next policy year?

Be sure to do thorough research - Some plans don't pay based on your actual bill, but have lists of predetermined dollar amounts that they will pay for each condition which can be shockingly low in many cases. I would recommend getting an actual insurance plan that covers based on your bill so that you are never faced with a difficult and expensive situation when you *thought* you were covered.

We cover 90% of the actual bill for diagnostic testing, treatments, surgeries and medications including emergency and specialist visits. Trupanion is also the only provider to offer a $0 deductible option.

Feel free to give customer service a call and get a no-obligation quote to ask all the necessary questions and find out what's best for you.
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