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A Beginner’s Pet Insurance Guide

advice from 24 hour vet about pet health

Pets are family. They relieve our stress, make us laugh, and comfort us in our times of need. It makes sense that pet parents want to protect their pets at all costs. But as pet healthcare prices continue to rise, pet parents are feeling the financial squeeze regarding veterinary bills. This beginner’s pet insurance guide is here to help!

One way pet parents can reduce the cost of sudden or unexpected veterinary care is utilizing pet insurance. 

Do I need pet insurance?

advice from 24 hour vet about pet health
advice from 24 hour vet about pet health

Here’s one of Fursure’s customers, Caroline, and her two golden retrievers Goose and Scout. 

Goose (right) got really sick last year, Caroline ended up having $30,000 in costs. She did everything she could for Goose, but Goose ended up passing away. When Caroline adopted Scout in February, she knew she wanted to find the right insurance that would cover expensive vet bills. Her insurance plan has already covered Scout’s urology specialist visits and two sock swallowing accidents. 

“The team at Fursure has been so helpful with my old dog Goose and now my young puppy Scout. From helping me choose the best insurance plan to spending time making sure I submitted my claims correctly I can’t speak highly enough about them. They have a highly personalized style of working with clients and I know they truly care about my dog!” -Caroline G., Golden Dog Mom

advice from 24 hour vet about pet health

With research and a little time, pet parents can find a pet insurance plan that works for their family and budget.

How do I get pet insurance? What is a good pet insurance plan?

Researching pet insurance policies can be a daunting task. Rule #1 from this beginner’s guide to pet insurance is that there is no “one size fits all” insurance plan that works for every family. Use the question list below as a starting point when searching for the right policy for you and your pet:

1. Does this plan cover wellness visits or exam fees?

Discovering pet health issues early minimizes veterinary costs down the road. Pet insurance plans often reward pet parents for scheduled wellness visits.

2. Are there waiting periods?

All pet insurance policies have waiting periods. There can be different waiting periods for different conditions. Be sure to ask a potential insurance company what their waiting periods are for:

o   Accident Waiting Period (typically the shortest)

o   Illness Waiting Period

o   Orthopedic Waiting Period (sometimes can be shortened with a special orthopedic exam) 

3. Does this plan cover holistic pet healthcare?

Holistic avenues of pet health care exist just as they are available for people. Like traditional health insurance, these alternative avenues of treatment are sometimes covered. If you value holistic care, be sure to see if a prospective pet insurance plan covers it first.

4. Is there a lifetime limit?

A lifetime limit is the maximum amount of money a pet insurance company will pay for a singular pet during its life. This is important to know in case your pet has issues early in her life, she may not be eligible to receive benefits later.

5. Does this plan cover any breed-specific issues?

Some breeds of pets have common medical issues associated with them. For example, pugs frequently experience breathing issues due to their flat face and nose. Pet insurance companies may not cover common breed-specific or congenital issues. It’s important to know any breed-specific issues your pet may have before researching for a pet insurance plan.

6. Does pet insurance work with veterinary virtual care?

Yes, it does! There are pet insurance plans that will reimburse pet parents for telemedicine appointments done with a licensed veterinarian. Our Owner FAQ discusses more.

Pet insurance can be a life-saver for pet parents with unexpected veterinary bills. We all want the best for our pets and pet insurance can help us get the best care for our beloved companions. If this beginner’s guide to pet insurance has not answered all of your questions, please leave a comment below and we will provide additional guidance! 

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