You probably have medical insurance for yourself and any of your family members - but what about your pets? Your furry, feathered, and scaled friends may get sick or ill just like any other family members, which can be costly without insurance coverage.
Imagine you are out with your family enjoying the day at a park when you see your dog start to eat some unidentifiable object off the ground. Suddenly they need to be rushed to a vet.
Accidents can be scary, especially when your pet falls ill or gets injured. That’s why pet insurance is there to help alleviate some of the financial stress. And for coverage on all the toys and other products your pets love, subscribe to Mulberry Unlimited. You'll be able to protect almost all your online purchases under the same plan, for the ultimate peace of mind.
What is pet insurance?
Pet insurance helps cover a portion of your pet's medical bills. This is actually a form of property insurance that works similar to an auto or home insurance policy. Just as you insure your car and home in the case of unforeseen events, pet insurance allows you to focus on your pet’s health, rather than the cost, should something unexpected happen.
How does pet insurance work?
It works similarly to home or auto insurance; you will pay a monthly premium to your insurer for their coverage. There are various coverage options available that will determine what expenses will be covered, and the monthly payment is relative to the coverage you choose.
After you bring your pet to the vet, you can submit a claim for the amount of your visit to receive your reimbursement.
What does pet insurance cover?
Not all plans are built the same. It can be helpful to do your research so you’re aware of specific health risks commonly associated with your pet's breed. Knowing this might help you choose the right level of coverage for your pet. Standard pet insurance coverage usually includes:
- Unexpected injuries/accidents
- Unexpected illnesses
- Surgery
- Medication
- Tests / Diagnostics
- Emergency Exam Fees
Keep in mind that insurers will only cover these expenses if they are not related to any pre-existing conditions. Pets with pre-existing conditions are still eligible for insurance, but their coverage may exclude the specific condition. The following things are not usually included with pet insurance coverage:
- Pre-existing conditions
- Routine care
- Preventative care
- Spay/Neuter
- Vaccinations
You should always check with the insurance provider prior to purchasing your pet insurance plan to ensure you understand exactly what is covered under your policy.
How much is pet insurance?
The cost of pet insurance is based on different factors that can include your pet's size, age, and breed. Protecting something you love is an investment, but often you can save by starting the plan while your pet is still young (similar to a life insurance plan). When your pets are young and healthy, the risk of illness or injury is lower. However, insurance may increase as they become older and more susceptible to health problems. Explore different policies to find the one that works for your budget and your pet's needs.
Should you invest in pet insurance?
Having pet insurance is like having a safety net for your pet; it’s a great way to reduce the financial burden if an accident were to happen. We know that not every pet is the same. That’s why when it comes to pet insurance, it’s essential to make sure you know what coverage you need and to compare the different policies available. With this pet insurance option, you can cover up to 90% of your vet bills starting at only $10 a month.
And to cover everything else in your life, subscribe to Mulberry Unlimited. You'll get coverage for almost all your online purchases under the same protection plan, so you can keep using the things you need, when you need them.
