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Pet Health Insurance 101


It's very important to understand that you can insure your pet in two different ways and will need two completely different types of policies:


1)  You can insure your pet's Life against sudden or accidental Death or Theft Insurance companies consider pets simply just property (much the same as Silver, Jewelry etc)  This policy acts much the same way as a Life insurance for humans.   The pet's owner will be asked to prove that the pet is in good, healthy condition by providing a veternary examination at the time the policy is issued along with a receipt of payment proving what the owner paid for their pet.  This type of policy is typically not very expensive and in many cases may cost under $200 per year for coverage.


2)  You can insure your pet's Health against sudden Injury or Illness The policy acts much the same way as a Health insurance policy for humans and the price of a policy varies depending on the pet's age, breed and zip code.  The typical policy may range between $20 per month for the healthy young pet to over $150 per month for the elderly pet.


The following page will be addressing those policies pertaining to insuring our pet's Health.


When your pet and family member is injured or sick, there is nothing more traumatizing than not having the resources to cure them or in some cases, keep them alive.  As an Independent Insurance agent, being able to offer various Pet Insurance solutions to my clients is a blessing and the favorite part of my job.  Not only does pet insurance help my clients manage the risk of what could be a very costly veterinarian bill but it also helps them rest assured knowing that they will never have to be faced with the horrific and painful dilemma of not being able to afford the treatment that may be necessary to keep their pet alive.


Just like with any insurance, you may contribute more than you get back or you may get back more than you contribute.  Trying to decide if you need insurance at all and if so, how to navigate the coverages that are offered at various companies can be tricky and confusing.  The following are important terminology definitions as well as a quick test to determine if you need Pet Insurance


Similar to human health insurance, pet insurance has premiums, deductibles, co-pay, and maximum payouts.


The Premium is the amount you pay monthly or annually for your pet insurance policy.


The Deductible is the amount of the veterinary bill you must pay before the insurance company starts paying.

Types of deductibles:

  • Per-Incident - This is the amount you must pay for each new illness or injury. This deductible is paid once for each new illness or injury. If a pet is hit by a car, that is considered one incident and has one deductible regardless of how many times the owner must return to the veterinarian for rechecks.
  • Annual - This is the amount you must pay each year regardless of the number of new incidents.


The Co-pay is the percentage of covered expenses that you must pay after the deductible is met. The insurance company pays the remaining percentage of covered expenses. So...if your co-pay is 20%, the insurance company pays 80%.

Remember this is 80% of covered expenses. There may be expenses you incur that are not covered by the insurance plan.

Make sure you know what the pet insurance plan covers before you buy it. This is one area where many who buy pet insurance plans fall short. They are then disappointed when their policy will not pay for procedures or treatments they thought were covered.


Maximum Payout

Maximum Payout is the maximum amount of money the insurance company will give you.



5 Important Coverages That You Should Expect Your Insurance Policy To Cover


  1. Coverage for Cancer
  2. Coverage for Chronic Disease
  3. Continual Coverage for Chronic Diseases
  4. Coverage for Hereditary & Congenital Diseases
  5. Coverage for Medical Conditions Common to your Pet's Breed & Species

Coverage for Medical Conditions Common to Your Breed


Most breeds/species have medical conditions that are more likely to occur in that breed/species compared to other breeds/species.

A few breed-related examples:

A few species-related examples:

Make sure that the plan you pick includes coverage for problems that could arise for your pet's breed and species. Ask your veterinarian to help you create a list.


For More Information Regarding Pet Insurance or to Obtain a quote email, Call Carey Moreschini @ 719-251-5463.





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Owner/ Breeder: Carey Moreschini ~ 719-251-5463 ~
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