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Quote Glossary

 

Annual Benefit- This is the maximum amount that you would pay including  payments made through deductibles, co-pays, and co-insurance but excluding premium.

Breed- Depending on the breed of your pet, risk may vary.

Co-Pay- A payment method which applies to specified services and disregards deductibles and co-insurance. For example, you may have to pay $10 for each prescription drug from the pharmacy, then the insurance company would pay the rest of the cost.

Date of Birth- Insurance companies associate older age with more risk.

Deductible- A payment method which takes effect before co-insurance and out of pocket maximum. This is a specified amount that must be paid per policy term. For example, you may have a $1,000 deductible per person on the plan.

Premium- This is the standard way to pay for insurance. You will make payments on a regular basis: monthly, quarterly, yearly.

Reimbursement- A payment method that takes into effect after the deductible is reached. The payment will be a percentage of the medical service cost. For example, you may be reimbursed 80% of you paid.

Risk- An evaluation of how much an insurance company thinks its going to pay out to a policyholder. If you have high risk, the premium will be higher and if you have low risk, the premium will be lower. Almost every question on an insurance quote is factored into how risky you will be to insure.