What Are the Waiting Periods?
It is vital to understand when your coverage begins and refrain from bringing your pet in for care if not covered. As with all insurance, there may be a waiting time before the policy takes effect.
The length of the wait will vary based on the supplier and the condition. Depending on the condition, you may have to wait anywhere from a few days to a month for:
- Illnesses: Typically 14 days
- Accidents: Typically, a few days
- Specific requirements: Depending on the situation, it can range from 14 days to several months.
Pet insurance plan rates might rise as your pet ages, so enroll them when they are young and healthy.
What Doesn’t the Plan Cover?
Plans will cover a variety of conditions. Your pet’s surgery, for example, may not cover pre-existing ailments or genetic disorders like ours. You may be able to pay an additional cost to cover a condition, however. Speak with the plan provider to determine if there are any out-of-the-ordinary circumstances or extras you can pay for.
Does the Plan Cover Routine Wellness Care?
If you want a comprehensive policy, find out if it includes routine exams such as immunizations, dental care, and heartworm testing. These are commonly known as wellness care services, and you may be able to add them to your insurance for a monthly fee.
Is Neutering or Spaying Covered?
Because the majority of pet owners use this therapy, coverage for spaying and neutering is critical. Unfortunately, critical sickness and accident pet insurance plans do not cover this, but it is surrounded by some wellness and preventative care pet insurance programs.
Does It Include Prescription Coverage?
Pet meds cost the same as human medications. As a result, some policies provide pharmaceutical coverage by default, while others demand it as an optional extra. ASPCA Pet Health Insurance and Trupanion, for example, cover prescriptions. PetsBest’s Accident Only plan provides prescription coverage. To obtain disease prescription coverage via PetBest, you must first purchase the Accident and Illness plan, then add prescription coverage.
