Dog Insurance
Plans
Glossary
Benefits
Coverage Plans
Standard
Only suggested for those with no dental issues now or foreseen in the future. Covered care:
- Accident
- Illness
- Emergency Care
- Medications
Full
For the average client. Care provided:
- Standard
- Preventative
Full + Life
If your pet is a source of income then you want to fully cover your pet:
- Full
- Death Expenses
- Income Supplement
Care Glossary
Care
Standard Care
Base coverage for your pet.
Preventive Care
Care that is implemented to prevent extensive issues from happening. This care has an annual limit.
Payments
Co-Pay
A co-pay may disregard the deductible and reimbursement. The co-pay is subject to specific services on your plan. For example, if your co-pay is $5 per generic brand prescription, each time you go to the pharmacy to obtain this or get a refill you will need to pay $5.
Reimbursement
After a deductible is met, you will be reimbursed a percentage of each covered pet bill.
Example
Reimbursement for vet visits are 80%, which means you pay 20% of the bill. If the bill was $300, then you would be reimbursed $240.
Deductible
A dollar amount required for the insured to pay before the insurance company will pay your medical bills.
Example
Your pet insurance has a deductible of $150. You took your dog to the vet to fix your dog’s limp at the beginning of the year. The vet bill was $200. You would pay for it all but the insurance company would reimburse you for $50 (200 – 150).
Premium
The dollar amount that you pay consistently to the insurance carrier to own an insurance policy.
Other Terms
Annual Benefit
The maximum amount of dollars an insurance company will spend on your insurance plan in a year.
Waiting Period
The period of time since the plan starts that must be surpassed before the insurance company will pay for certain levels of care. Preventative care is covered immediately but basic or major care may only be covered after serveral months
Benefits*
Preventative Care
- Wellness Exam
- Dental
- Neuter
- Vaccination/Titer
- Blood, Fecal, Parasite Exams
- Deworming
Standard Care
- Emergency Care
- Accident & Illness
- Surgery
- Therapy
- Diagnostic Tests
- Lab Tests
- X-Ray, CAT, MRI & Ultrasound
- Medication
Life
- Euthanasia
- Funeral Expenses
- Value
- Income
*This is not an all inclusive list and may vary by plan, carrier, or state.
Frequently Asked Questions
Do we insure pets with poor health?
Pet insurance does not cover pre-existing conditions. For example, if a dog had a heart condition and then you bought pet insurance for it, the insurance company would not cover it. However, if you bought insurance when your dog was a puppy and then it developed a heart condition, the insurance company would cover it?
Do we insure pets with hereditary conditions? Yes!
If a pet has a bad health condition due to its lineage then then it is covered.
What payment methods do we accept?
Payments through direct billing through mail, EFT (Bank Account), debit and credit cards.
How can I file a claim?
Your healthcare provider’s billing department should file your claim for you. If you have any questions about your bill it is best to contact your insurance provider and healthcare provider’s billing department directly.
Am I fully covered under my health insurance? No
Health insurance does not cover your pet’s health, you must purchase pet insurance.
If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email