Pet Insurance Explained

As the amount of money spent on pet healthcare increases steadily at an estimated rate of 40% a year, and as pets become more like family, owners are looking to spend more on their pet's health. Pet owners also want to have their pets covered by insurance.

Some basic plans start at $10 a month, while more extravagant plans cost upward of $400 a month. Since no two pet insurance plans are exactly the same, you should research each policy before making a choice that best fits your needs. The following questions are important to keep in mind when determining if pet insurance is worth the expense:

What's covered? Look over several plans from different companies before making a provider selection. Make sure the plan you choose defines clearly what is and what is not covered. For some pet owners, pet insurance is a safeguard for future catastrophes, such as sudden accidents or the emergence of a serious illness. For others, the coverage they choose applies to every vet visit, including checkups.

What's not covered? There is more to picking insurance plans then finding out what is covered by insurance. You need to also know what is not covered so you can compare plans to one another and so you are prepared when your pet needs a test or procedure that is not covered.

Are hereditary illnesses and conditions covered? If you own a purebred animal, they may be prone to a breed specific condition. For example, German Shepard's are likely to develop hip dysphasia, and Labrador's are often inflicted with eye problems.

What's the deductible? Is there a co-pay? Be sure to understand what you are expected to pay for and exactly how much. You don't want to pick an insurance that covers little if anything.

What (if any) is the age limit for a pet to be covered? The best time to purchase pet insurance is when your pet is just a puppy. As pets get older they require more care, especially later in their lives, and the premium goes through the roof or coverage no longer exists.

So who is pet insurance for? Pet insurance is best suited for pets that are young and healthy. Pet insurance is also a good investment if you:

  • Have multiple pets
  • Take in stray animals to help shelters
  • Breed dogs
  • Take your pet with you on vacation

The otherwise healthy dog. Many dogs can live long accident free lives today, but no owner can guarantee their canine companion will never have an accident such as eating a sock, swallowing a rock, or even getting hit by a car in the driveway.

How most insurances work: Unlike human health insurance, most pet insurance companies require you to pay the entire veterinarian bill at the time of service. You as the owner are then responsible to turn over itemized bills or invoices from us, your veterinarian, to the pet insurance company for reimbursement of qualified costs.

The best way to find the right pet insurance for you and your family should start with researching some reputable pet insurance companies. Ask for detailed plan information and price quotes.

Remember, pet insurance is not a necessity, and if you choose not to get insurance for your pet you are still a great pet parent!

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Office Hours

Monday:

9:00 AM-5:00 pm

Tuesday:

9:00 AM-5:00 pm

Wednesday:

9:00 AM-5:00 PM

Thursday:

9:00 AM-7:00 pm

Friday:

9:00 AM-5:00 PM

Saturday:

Closed

Sunday:

Closed

Testimonials

Feedback from our clients

  • "Thanks for everything you did for Ready !
    Obviously he loved you all !"
    Bart V.
  • "I will continue to bring my furkids to Buck Road. They are absolutely wonderful with my dog and have been a great resource for my cat who suffers from allergies and kidney problems. They really care about their patients and their humans, and listen to me when I have concerns. They are never, ever overcrowded. Usually there is maybe one other dog in the waiting room. That is a relief and keeps everyone's stress levels down! The facility is clean and staff is always friendly and willing to walk you through, step by step, the treatment plan ahead. I never leave feeling confused. I love this place - and we keep coming back despite moving pretty far away!"
    Courtny S.
  • "Awesome staff ~ great veterinary care ~ Dutch is lucky to have such wonderful professionals looking after him!"
    Beverly B.
  • "A top notch practice. Highly recommend."
    Jason D.
  • "I've been bringing my pets to Buck Road Animal Hospital almost from the time they started and I have never had anything but positive experiences there. The staff feel like friends to me and they always make you feel like they're happy to see you and your pets. The vets take their time with you and your pets and they go out of their way to give you any information you might need about a pet's condition or treatment. I have A LOT of pets and some of my dogs have aggression issues but you'd never know it to see them there. They understand how to make any animal feel at ease and even my most difficult dog is welcomed there. I'd never go anywhere else. Best veterinary practice anywhere."
    Mary K.
  • "I have been a client of Buck Road Animal Hospital for 30 years..and they are the all the greatest caring friendly kind people..I would not go anywhere else..They go out of there way to accommodate you..They are Number 1..Hats off to Caroline Renee Leanne Donna Lindie and to the best vets Dr Steve and Dr Mary Pat."
    Carole M.
  • "Probably the greatest animal hospital of all-time. The staff is superb, and the Doctors are as kind and knowledgeable as they come. Can't wait for our next visit!"
    Andrew S.