Most Pet Insurance Plans have a few basics in common:

  • You usually pay a monthly premium
  • You select an annual or “per-incident” deductible amount
  • You can go to any veterinarian you choose
  • You typically pay your vet first, file a claim and get reimbursed
  • Pre-existing conditions and related treatments are not covered

Some of the most important differences to be aware of are:

  • Whether congenital and hereditary conditions (such as hip dysplasia, heart defects, eye cataracts or diabetes) are covered
  • How the reimbursement is calculated (Based on actual vet bill?  Based on a schedule?  Based on “customary rates”?)
  • Whether there are limits or caps applied to your reimbursement (Per incident limit?  Per year limit?  Lifetime limit?)
  • Whether there is an annual contract – these can be used to determine that anything diagnosed in the precious year of coverage is now considered “pre-existing” the next year

How Do I Choose a Plan? 

Check out Consumer Affairs – A review website for policyholders.