Questions to Ask When Considering Which Pet Health Insurance to Buy

We all love our pets and many consider their pets to be their furry children. When they get sick we want to be able to take care of them properly. With technological advances in veterinary medicine, much more is available now in both diagnostics and treatment. Procedures such as MRI's, CAT scans, chemotherapy, and radiation treatment are all common but they can be quite expensive. Many people are now considering pet health insurance to help with the costs. It is important to ask the correct questions when interviewing companies that offer this insurance, so you know what you're getting.

Pet health insurance is different from "human" health insurance in the way that with pets, the doctor is paid first and then the pet owner is reimbursed by the insurance company. There are several companies offering pet health insurance in the United States and they differ in their policies. Other companies offer pet insurance in other countries. Some companies offer different levels of care. There basic plans that cover accidents and illness, as well as premium plans that cover all aspects of health and wellness.

Most plans do not cover pre-existing illnesses, and this may be important in how other symptoms are covered by your plan. If your pet, for instance, has an ear infection in its history, ask if in the future the pet is diagnosed with an allergy, but with other symptoms, if that will be covered. An ear infection is often caused by an allergy. If your cat has been treated in the past for vomiting, and is later diagnosed with another disease that can cause vomiting such as IBD or kidney disease, will that be covered?

Another issue with the pre-existing clause is that it is important to ask if your pet is evaluated for coverage when first obtaining the insurance, or with each renewal. For instance, if after you get the insurance, it pays for treating your dog's ear infection, will another ear infection treatment be covered next year?

Many plans do not cover "genetic" diseases. With advances in DNA studies, veterinary medicine is discovering more and more diseases are genetic based. It is important to ask what diseases they consider to be genetic for the breed that you own.

Some policies cover only up to a certain age of your pet. Some do not cover prescription drugs or dental disease. Others have a yearly or lifetime dollar limit.

Most companies have a deductible and then pay a percentage of the bill, usually 80% to 90%. Some companies have a set dollar reimbursement for each problem or procedure.

Another consideration is whether to obtain a basic or premium plan. It is important to compare the costs of each option. In many cases, it may be more prudent to purchase the basic coverage.

A small percentage of pets are covered by health insurance at the present time but this is expected to change in the near future. More than 1600 companies, including Google and Office Depot, offer pet health insurance as an optional employee benefit.

Location

Find us on the map

Office Hours

TEMPORARY ADJUSTED COVID-19 VIRUS HOURS AND DAYS

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.