Pet Insurance plans are dynamic and would vary according to its type and features. Ideally, a pet insurance cover for any future Vet bills expenditures and would most likely cover emergencies like surgery. As you read on, you will find out if surgeries are also included in most pet insurance packages and how much of the Vet bills can be offset.
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Does Pet Insurance Cover Surgery
There are different types of pet insurance, some do cover surgeries while others don’t depending on its perks. A good insurance package should align with your pet’s future needs and your financial capacity.
By understanding your pet insurance policies, you would know if it will cover any future surgery or not. As a veterinarian, I have witnessed many pet owners being left with no option but euthanasia because they couldn’t afford vet bills and their pets weren’t insured over surgical cases.
Many pet owners might not have fully understood their chosen pet insurance plan and would run into a brick wall which could result in losing their their pet as observed in a research conducted on 59 uninsured dogs.
“To pick the best pet insurance plan, you need to research about the conditions your pet will most likely need care for “, - Dr. Jennifer Coates
Most pet insurance plans cover basic veterinary services such as routine treatment, preventive or a selective treatment like vaccination. If your pet was involved in an accident or broke a leg and requires surgery, some insurance plans could cover for it since it’s an emergency.
“It is best to purchase a pet insurance plan before any pre-existing condition. If your pet’s conditions are pre-existing, it won’t be covered”, - Reddit
Pet insurance plans come in different packages, some are time bound or have limited financial reimbursement. They go by many names; time-limited, maximum-benefit, or a lifetime pet insurance. There are basically two types of pet insurance which includes:
- Comprehensive pet insurance: This covers both pre-existing conditions and future possible conditions. This plan doesn’t not discriminate if a condition was already existing before the insurance was obtained.
- Accident-only pet insurance: An accident-only insurance typically covers for Vet fees that are classified as emergencies. The Petcube Emergency Fund offers an amazing package in that regard, a $3000 coverage in emergency Vet fees and a 27% discount when you subscribe using the exclusive link.
How Much Does Pet Insurance Cover Surgery
Depending on the type of surgical procedure and pet involved, the cost covered varies. It is difficult to find a pet insurance that could pay 100% of Vet bills since surgeries cost a lot of money, most pet insurance would typically pay around 70-90% of the Vet fees.
How much a pet insurance would cover for your pet’s surgery depends on some few factors like the type of surgery and deductibles. Deductible is a part of the Vet bill you need to pay yourself while the insurance company handles the rest. Deductibles usually range from $250 to $500 and some could go all the way to $1000.
Once the yearly deductible is paid, the pet insurance plan takes effect. For example, if your pet needs an emergency surgery that costs $5000, you will need to pay your deductible for your insurance to take effect. If you pay a deductible value of $1000, your insurance then covers 80% of the remaining bill summing up to $3200. The remaining $800 will still be paid by you as co-insurance.
Having a pet insurance is both beneficial to the pet owner, the pet and the Veterinary team. An analysis conducted shows that pet health insurance has been able to improve veterinary care by abolishing the challenge of clients not having enough funds to clear fees.
FAQs
Does pet insurance cover eye surgery?
An eye surgery could be covered if it is involved in what the insurance insures.
Does pet insurance cover emergency surgery.
A pet insurance plan like the Petcube Emergency Fund covers emergency surgeries, especially life threatening conditions.
Does pet insurance cover dental surgery?
Yes, there are pet insurance companies that cover dental surgery depending on the policies of such companies.
Conclusion
Most pet insurance plans cover conditions obtained after an insurance plan has been bought. Pre-existing issues that may require surgery are not usually covered by some insurance companies, only a few pet insurance companies cover for that. Before choosing an insurance plan for your pet, make sure it covers for surgery if you think your pet would need it in the future.
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