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What Is Pet Insurance?

Having a pet insurance plan can save you money when you’re faced with unexpected veterinary bills. Whether your dog gets an injury or develops a chronic condition, pet insurance will pay for covered medical expenses, leaving you free to focus on taking care of your animal friend. Many pet insurance policies also cover preexisting conditions. You can choose the level of reimbursement for your pet’s health care when you buy the policy.

Many pet insurance plans cover alternative treatments, such as chiropractic care, acupuncture, and other therapies. While some plans don’t cover these treatments at all, others may cover them only for the most expensive plans. There is no standard definition of alternative treatments, so it’s important to read the fine print. Some plans cover treatments for behavioral problems, such as aggression or compulsive behavior. Preventative care is also covered, including preventive health exams and vaccines.

Insuring a young dog is often cheaper than insuring an older pet, since younger animals have fewer health issues in their early years. Premiums vary by state and ZIP code, but generally speaking, insurance costs are lower in populated areas than rural areas. You can also choose an affordable plan with a low annual maximum and high deductible to lower out-of-pocket expenses. Many plans also cover annual exams and wellness checks, so make sure you compare coverage options before purchasing a policy.

Many pet insurance plans have waiting periods before you can claim for treatment. The waiting period is typically 30 days, and in some cases even longer. There may be a pre-existing condition that will prevent you from getting coverage. Be sure to read the fine print before signing up for a policy. Also, some policies have age restrictions. For example, newborns and senior citizens may not qualify for coverage, but younger pets will most likely have fewer health issues at the time they enroll.

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