Considering Pet Health Insurance?

pet health insurance - dog ekg

Considering Pet Health Insurance?


Our team at Animal Dental Care and Oral Surgery in Loveland understand that your pets are an important part of the family, and their oral health care needs are a top priority. Have you ever wondered if pet health insurance is right for you? If you’re considering insurance for your pet’s health care needs, read on for more information.


The Basics of Pet Insurance


Pet insurance first became available in the United States in 1982. It is similar to some human health insurance plans in that pet insurance typically requires full payment in advance for any services rendered. Invoices are then submitted, after the services are rendered, for full or partial reimbursement.

Also similar to human health insurance, there are various plans to choose from with varying benefits. Overall, however, pet insurance usually covers accidents and illnesses. Some plans cover preventive care, as well. When choosing a base plan, make sure it includes coverage for accidents and illnesses, as well as congenital and hereditary conditions, cancer, and chronic diseases. If the plan covers each of these, you will have all your bases covered.


How to Know If Its Right for You


Health care can be one of the most expensive aspects of welcoming a furry friend into your home. Perhaps you just want to be prepared for the potential of future accidents or illnesses, or maybe your pet is currently ill. Either way, you may be questioning if pet health insurance is right for you. It’s true that pet health care costs can add up quickly, especially if your pet has a chronic illness or needs to undergo surgery.

Many begin considering pet health insurance once their pet has already grown old and is facing medical issues. Insurance is often the last thing on your mind when you’re running around in the yard with your new puppy. But we recommend getting pet insurance early on in the life of your pet because pre-existing conditions are factored in when applying for your plan. If you hold off on purchasing a plan until your pet is older or facing illness, you might have trouble finding a good plan that meets your needs. There are a handful of insurance companies that will take senior pets or pets with chronic illnesses, but the list is very limited.


How to Select a Plan


When choosing a plan that fits your needs, the best way to start is to do your own research on the various pet insurance plans available. There are many options and levels of coverage available. Depending on the current health of your pet, or your particular concerns for the future needs of your pet, you will want to understand what is covered with each plan option. One helpful strategy is to make a list of your wants and needs in a pet health insurance plan, put them in order of importance, and use that list to find a plan that is right for you.

We recommend choosing a few plans that match your most important concerns, then calling each provider to discuss plan details. This simple action will help you narrow your plan selections down until you’ve landed on the one that will work best for you and your unique situation.


Connect With Us!


For a more comprehensive overview of the ins and outs of pet health insurance, we recommend a valuable online resource called 365 Pet Insurance. And if you’re looking for an experienced veterinary dentistry clinic, call Animal Dental Care and Oral Surgery in Loveland at 970-614-4307 or contact us online. We’re more than happy to talk with you, answer questions, and go over options for treatment and payment. We look forward to connecting with you!



Image by Gordon Johnson from Pixabay (3/9/2020)