Pet insurance pays, partly or in total, for veterinary treatment of the insured person’s ill or injured pet. Some policies will pay out when the pet dies, or if it is lost or stolen.
As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pet’s health care and standard of living than previously, the market for pet insurance has increased.
Pet insurance companies are beginning to offer the pet owner more of an ability to customize their coverage by allowing them to choose their own level of deductible or co-insurance. This allows the pet owner to control their monthly premium and choose the level of coverage that suits them the best.
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Some of the differences in insurance coverage are:
- Whether congenital and hereditary conditions (like hip dysplasia, heart defects, eye cataracts or diabetes) are covered;
- How the reimbursement is calculated (based on the actual vet bill, a benefit schedule or usual and customary rates);
- Whether the deductible is on a per-incident or an annual basis;
- Whether there are any limits or caps applied (per incident, per year, age or over the pet’s lifetime); and
- Whether there is an annual contract that determines anything diagnosed in the previous year of coverage is considered pre-existing the next year.
Insurance Companies We Recommend!
Source: Pet Insurance
We had an emergency with what we believe was a poisoned terrier. They took us right in and took fantastic care of our little loved one. They kept her all day but by days end she was doing better. Now she has made a full recovery but it sure was scary there for a little while. Dr. Palmer and all the staff were awesome! I just wanted everyone to know that Hometown made us feel like family. Little Frankie thanks you too!
- Danny Dark
The staff at Hometown are so unbelievably amazing. They truly care for our extended family members. I can't say enough great things especially Dr. Munck she has a special place in our hearts. She took such great care of our pup when he was sick. Thank you so much!!!
- Theresa Lynn Asher
Thanks to Dr. Amy for her kind compassionate care with our very old Dachshund. We were on vacation when our 15yr old doxie got very ill. Unfortunately we had to make that very hard end of life decision. Dr. Amy led us through the procedure, cried with us and gave us hugs. Thank you very much!!!
- Laurie Jorgensen
They are the best. Amy is amazing and so kind. She helped us with our pitty max who ended up having to put down because of cancer. She was there every step of the way making sure he was happy and comfortable.
- Angela Gould
Love the vets, techs, and all the staff are AMAZING! Exceptional care for all my animals. Friendly compassionate caregivers. Thank you so much to all, with a special thanks to Dr. Amy Hamm! You are a fantastic vet and I am pleased to call you friend and "Doc!"