What does pet insurance *actually* cover? And is it a smart investment?
Accident-only pet insurance covers the cost of treatment after an accident. Under this plan, things like injuries stemming from a car accident, broken bones, lacerations, and x-rays are usually covered. It doesn’t cover costs that are not related to the accident, or accidents that were caused by a pre-existing condition.Plans that cover illnesses typically don’t cover pre-existing conditions, and they cost more than accident-only coverage.
In many ways, pet insurance is like regular health insurance. After a visit to the vet, you’ll pay for your pet’s care. Make sure you get a receipt and any other documentation you might need. Then,submit a claim to your pet insurance provider. Once the claim is approved, you get reimbursed for the service.
The deductible is the amount you need to pay in covered pet care costs before the insurance company will start paying.
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