Questions to Ask When Considering Which Pet Health Insurance to Buy

We all love our pets and many consider their pets to be their furry children. When they get sick we want to be able to take care of them properly. With technological advances in veterinary medicine, much more is available now in both diagnostics and treatment. Procedures such as MRI's, CAT scans, chemotherapy, and radiation treatment are all common but they can be quite expensive. Many people are now considering pet health insurance to help with the costs. It is important to ask the correct questions when interviewing companies that offer this insurance, so you know what you're getting.

Pet health insurance is different from "human" health insurance in the way that with pets, the doctor is paid first and then the pet owner is reimbursed by the insurance company. There are several companies offering pet health insurance in the United States and they differ in their policies. Other companies offer pet insurance in other countries. Some companies offer different levels of care. There basic plans that cover accidents and illness, as well as premium plans that cover all aspects of health and wellness.

Most plans do not cover pre-existing illnesses, and this may be important in how other symptoms are covered by your plan. If your pet, for instance, has an ear infection in its history, ask if in the future the pet is diagnosed with an allergy, but with other symptoms, if that will be covered. An ear infection is often caused by an allergy. If your cat has been treated in the past for vomiting, and is later diagnosed with another disease that can cause vomiting such as IBD or kidney disease, will that be covered?

Another issue with the pre-existing clause is that it is important to ask if your pet is evaluated for coverage when first obtaining the insurance, or with each renewal. For instance, if after you get the insurance, it pays for treating your dog's ear infection, will another ear infection treatment be covered next year?

Many plans do not cover "genetic" diseases. With advances in DNA studies, veterinary medicine is discovering more and more diseases are genetic based. It is important to ask what diseases they consider to be genetic for the breed that you own.

Some policies cover only up to a certain age of your pet. Some do not cover prescription drugs or dental disease. Others have a yearly or lifetime dollar limit.

Most companies have a deductible and then pay a percentage of the bill, usually 80% to 90%. Some companies have a set dollar reimbursement for each problem or procedure.

Another consideration is whether to obtain a basic or premium plan. It is important to compare the costs of each option. In many cases, it may be more prudent to purchase the basic coverage.

A small percentage of pets are covered by health insurance at the present time but this is expected to change in the near future. More than 1600 companies, including Google and Office Depot, offer pet health insurance as an optional employee benefit.

Location

Find us on the map

Monday:

8:30 am-8:00 pm

Tuesday:

8:30 am-5:00 pm

Wednesday:

8:30 am-5:00 pm

Thursday:

8:30 am-1:00 pm

Friday:

8:30 am-5:00 pm

Saturday:

8:45 am-2:00 pm

Sunday:

Closed

Testimonials

Feedback from our clients

  • "Words can not begin to express our gratitude for the care you had given Hunter over the years. When his time came, he watched for you to come through the door and his tail showed his affection towards you. That was most comforting having you there. Thank you.""
    ~R.H
  • ""Thank you so much for taking care of Maggie over the years. Y'all are the best and Dr. Johnson, you are the best vet in the world! God bless you all.""
    ~ J.D.
  • ""Your care for my beloved Mattie these last 10n years made her life, and mine much better….God bless each of you for all you did for us and I'm sure for all your other two and four legged patients.""
    ~E.D.
  • ""Thank you for saving my life." ~T.C."
    ~T.C.
  • ""I can not express how grateful I am for you and your staff… I appreciate everything you did in Beckham's treatment. He was so lucky to have such a wonderful doctor on his side. Thank you for all you do for the benefit of all our beloved pets.""
    ~L.B.
  • ""Dr. Johnson - There are no words that can truly capture your kindness.""
    ~G.B.
  • ""Thank you for the great care you took of Taco and the rest of our family. He is doing great now! He is enjoying running and playing with all four legs again.""
    ~W.C
  • ""People who avail themselves of your services at the clinic certainly are blessed to have such a caring staff....bless you and your devoted staff.""
    ~E.D.
  • ""A sincere thank you for taking such good care of Dulce. We are so thrilled that she is back to her normal self. You gave her the support and care she needed in her darkest hours and kept us confident in her recovery.""
  • ""Just to say how much we appreciate all of you. You all are wonderful people. We feel blessed to have our beloved furry children in your care when they need it. Your professional knowledge and your acts of kindness have a beautiful act all it's own. You are a great vet, compassionate and everything good all in one. You are in our daily prayers.""
    ~T.F.
  • ""Thank you and all of your staff for the excellent care you gave to my wonderful Abbey, who was so much a part of the family. Thank you for all the advice and support you gave to me these last few months. I don't know how I would have gotten through this without your constant support. I will, and I have highly recommended you to family and friends, as I feel you are the best!""
    ~P.B.
  • ""Thank you for taking care of my kitty, Slingshot. He is feeling better and better. My Paw-Paw said that you took extra special care of him and I really appreciate it. So, thank you again for taking care of my cat.""
    ~T.B. (age 6)
  • ""Dr. Johnson, I don't know why you decided to move here from your home in New Jersey, but I absolutely believe it was so you could help me and Mickey. I know coming to someone's home is not what a typical veterinarian would do, but you are obviously an extraordinary man in a world filled with ordinary men….On top of that, your sensitive and wonderful handwritten note arrived and touched my heart…You are one of those quiet, unheralded champions who make life easier for everyone you touch.""
    ~C.W.
  • ""Thank you so much for taking care of Lola when she had her reaction, and your office was already closed. I know you took time away from yourself and your family and I really appreciate it.""
    ~R.M.
  • ""Thank you for giving me more time with my best friend. We are all so grateful.""
    ~A.M.
  • ""Thank you for all of your support for Maxine during her illness. All was very much appreciated and will always be remembered. I have related to all my friends of what a great doctor and staff at Birdneck Animal Hospital.""
    ~O.B.
  • ""Thank you for taking such good care of me over the last 4 years. I am doing well and both legs and feet feel great. You sis an awesome job on me Dr. Johnson, and I'm gonna have a great year this year and I hope to see you only for my check up. You guys are the best!""
    ~Budkus
  • "We can't thank you enough for the wonderful and loving care you gave to"Budkus" while he was in your care. He was so little and so sick and we were so scared for him. Each and every one of the staff members made us feel like we had the only dog in the world. Like nothing else mattered except getting "Budkus" well again. Our deepest gratitude to all of you for the excellent care and attention we received, for your encouragement, comfort, and understanding, and most importantly for saving his life! Thank you so much.""
    ~ J.,B.,C.