With pets becoming the children in households the market for pet insurance has blown up, but it is important to remember that not all pet insurances are made equal. There are various companies to choose from and many different plans available with each company. Reading the fine print of all insurance plans is a must so that you know what your pets are and are not covered for.
Content:
- What is Covered By The Insurance
- What is Not Covered By The Insurance
- How Many Pets Can Be Insured
- What is The Waiting Period for Insurance
- How Much Does Insurance Cost
- Conclusion
What is Covered By The Insurance
Petcube Emergency Fund
Petcube offers unlimited telehealth with a veterinary professional that is accessible 24/7 with first aid guidance and emergency triage. In this way you can confirm if you have an emergency on your hands or not. If you do, you will need to take your pet to a nearby vet within 4 hours. Once you have been helped the receptionist at the vet can phone the hotline with the final cost and PetCube will pay up to $3000 out.
Only emergencies are covered by this insurance that are considered life threatening, such as:
- Foreign body ingestion
- Major traumas
- Difficulty breathing or coughing
- Toxin ingestion
- Bloat or gastric torsion
- Vomiting or diarrhoea
Pets at Home Insurance
According to the information provided on their website this is only a UK based insurance company, and they do not cover treatments in the USA. They do cover dogs, cats and rabbits.
This insurance company covers:
- Illness and injuries
- Diagnostic tests
- Prescription medicine
- Surgery and specialised care
- Physiotherapy and other recovery therapies
- Hereditary and congenital conditions
- Behavioural conditions
- Pet Expert Chat is available – free vet, behaviour and nutrition video chat service
- Missing pet advertising fees
- Legal liability
- Emergency boarding
- Holiday cancellation
What is Not Covered By The Insurance
Petcube Emergency Fund
- Scheduled appointments or regular check ups
- Scheduled surgeries that are not considered an emergency, such as a sterilisation
- Wellness visits
- Pregnancy related problems
- Parvovirus
A big plus with Petcube Emergency Fund is:
- No qualifications or credit checks
- No out-of-pocket expenses
- No breed, age or geographical limitations (as long the vet clinic you visit is based in the USA)
- No limitations due to pre-existing conditions such as arthritis, heart disease, allergies, epilepsy and more
Pets at Home Insurance
What is and isn’t covered depends on the plan that is chosen by you. All the plans don’t cover:
- General and preventative care
- Vaccinations
- Spaying or neutering
- Parasite control (tick, flea and worm treatment)
- Some preexisting conditions will be covered, some not.
Dr. Dodds says: “The immune system of companion animal pets, like that of all mammals, forms the backbone of body function to ensure health, well-being, and longevity while protecting against the foreign invaders of disease.”
How Many Pets Can Be Insured
Petcube Emergency Fund
Up to 6 cats or dogs can be named and covered with this emergency fund, but the monetary fund has a limit of $3000 per year.
Pets at Home Insurance
You will have to take out a plan for one pet and then can add any additional pets from there. There is a quote function on the website to assist you in pricing depending on the plan you select. For each additional animal you will receive a £12 discount per pet on your premium, per year. The discount only applies for every year that all your pets are insured together.
What is The Waiting Period for Insurance
Petcube Emergency Fund
They have a 14-day waiting period for veterinary visits, but from the moment you sign up you can chat to a veterinarian about any concerns that you may have on their telehealth platform.
This Emergency Fund provides the necessary financial support for the most expensive part of pet care: emergency veterinary care.
Pets at Home Insurance
You choose the date you would like the cover to start, which could be the same day as signing up.
How Much Does Insurance Cost
Petcube Emergency Fund
The fund is $29.99 only per month.
Pets at Home Insurance
The pricing varies depending on where you live, your pet’s species, age, breed and the plan you choose.
When going through the quote option you are asked if you would like Ongoing or Short-Term cover. Ongoing means you can claim up your chosen yearly limit and keep claiming every year for the same condition if you continue with the plan.
For example:
- Vet bills are £4000 pounds per year; your monthly fee will be £139.46.
- Vet bills are £7000 pounds per year; your monthly fee will be £177.06.
- Vet bills are £12000 pounds per year; your monthly fee will be £194.15.
There is an excess fee of £110 per injury or illness per policy year.
Short-term cover for vet bills meets your needs with short-term help from your vet, of up to £3000 per injury/illness. Once this limit is reached, no more will be covered. This will cost £78.33 per month.
Conclusion
Always read the fine print and do get some form of an accident cover at the minimum, you would not want to say goodbye to your fur children just because you have budget constraints.
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