Which animals does pet insurance cover? – CBS NewsWhich animals does pet insurance cover? – CBS News

Teenage girl (14-14) sitting in vet waiting room, dog looking at rabbit in cage
Most pet insurance companies specialize in coverage for dogs and cats, but insurance with regard to many other types of animals is also available. Getty Images

Pet insurance can help take the sting out of expensive veterinary bills. Like human health insurance plans, pet insurance helps make costs regarding professional care for your pet more manageable.

Just like traditional medical health insurance, these plans come with deductibles , coverage types and limits on benefit amounts. Generally, pet insurance protection can reimburse you up to 90% of your vet bill.

Fortunately, you can get dog insurance for many types of pets, although finding coverage intended for some unique animals can be challenging.

If you’re in the market to get pet insurance coverage then reach out to an insurance policy expert now. They can help you get started with a free price quote so you know exactly what in order to expect.

Which forms of animals are usually covered?

Nearly all pet insurance plan providers offer coverage pertaining to dogs plus cats. A base plan typically covers procedures and services resulting from an accident or illness. Additionally, most family pet insurers provide a premium plan that provides reimbursement for more options, including emergencies, office visits, diagnostic tests, X-rays and lab fees. You can usually opt for add-on solutions for preventative animal care and wellness.

For example, Lemonade’s standard pet insurance policy covers diagnostics, methods and medications to treat your dog or even cat recovering from any sort of accident or illness. This addresses broken bones, lacerations, diarrhea and even cancer. But if you’d like more options for your dog or cat, you can purchase add-on coverages such as preventative care that covers everything from dental cleanings and wellbeing exams to blood tests and vaccines.

Whether you’re purchasing furry friend insurance for your dog, kitty, or any other animal, it’s unlikely the provider will cover pre-existing conditions .

Which usually varieties of animals may be covered?

The majority of the particular best pet insurance providers only cover dogs and cats. That leaves you with few options if you need insurance coverage for a bird, reptile or other creatures in the “exotic animal” category, such as:

  • Birds
  • Reptiles
  • Amphibians
  • Ferrets
  • Guinea pigs
  • Hedgehogs
  • Mice
  • Mini goats
  • Potbellied domestic swine
  • Rabbits
  • Rats

Nationwide is the just well-known dog insurance provider that will covers exotic animals. Dog Assure is another company that may help lower your vet costs for amazing animals. However , Pet Assure doesn’t offer pet insurance policy but rather a discount worth upward to 25% off upon veterinary take care of all pets.

Nationwide’s unique animal insurance is similar to animal insurance plans for dogs and cats . Depending on your own policy choices, you can get insurance coverage for up to 90% of your veterinary treatment for general illnesses and accidents. You can also opt meant for preventative care coverage designed for an additional fee.

Explore your options now by speaking along with a pet insurance plan pro!

Which types of animals are not usually protected?

Family pet insurance firms usually don’t cover expensive animals and creatures that could be considered dangerous in order to own. Generally speaking, it’s not really recommended just for most people to own a pet tiger or monkey unless if you’re professionally trained to work with such pets. Perhaps that’s why it’s nearly impossible to find insurance from the major pet insurance companies for the purpose of potentially dangerous or expensive animals, which includes tigers, monkeys, horses, plus cows.

According to the Insurance Information Institute (III) , life and theft insurance is one option for insuring valuable animals like championship canines, cats, horses and police dogs. This type of insurance reimburses you if your animal is stolen, and you’ll receive a death benefit under certain problems.

The bottom line

Pet insurance costs can vary depending on the type of pet and even through breed to breed of dog . For example , some of the particular most costly dogs to insure are the Newfoundland, Dogue De Bordeaux, and Jack Russell Terrier, with monthly premiums that can cost up to $100 per month.  

Similarly, Abyssinian, Persian and Ragdoll cats would be the more expensive breeds with regard to cat insurance coverage, with premiums running over $40 per month.

Often , what makes certain breeds more expensive in order to insure are hereditary health conditions or physical traits inherent with the breed that require costly treatment.

Of course , not almost all pet insurers provide the same coverage, and rates vary among providers. If you want the particular best family pet insurance value to protect your furry family member, it can essential to shop and compare multiple companies and compare your choices.

Use the table below to shop around or even speak along with a pet insurance expert directly right now .

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