Pet Insurance in Vermont
What is Pet Insurance?
Owning a pet is a great responsibility, as owners must make sure a pet is physically and emotionally looked after. Part of making sure a pet is well taken care of includes providing them with the veterinary care they need, and that’s what pet insurance helps accomplish. Pet policies help owners in Vermont plan for and mitigate potentially high covered veterinary costs that can come with owning a dog, cat or other animal.
Pet insurance is a particularly specific type of insurance, as it’s not quite like any other insurance product on the market. For this reason, pet owners are generally wise to work with an insurance agent who specializes in dog insurance and similar coverages when selecting a policy. A specialized agent can provide informed and wise advice, and one that’s familiar with dog insurance will likely also be able to assist with other types of pet policies.
Who in Vermont Should Have a Pet Policy?
Most Vermont residents who own pets ought to consider purchasing a pet policy for their non-human friends. Veterinary care is sometimes expensive, and no pet owner wants to have to choose between pricey treatments that a pet needs and other necessary expenses. Having a pet policy in place often can help alleviate some of the financial stress that comes when veterinary care is required or recommended.
What Costs Are Covered by Pet Policies?
Depending on its terms and conditions, pet policies might cover veterinary costs related to the following:
- Routine and preventative care
- Injuries sustained in accidents
- Hereditary health issues
- Acute illnesses
- Chronic and terminal illnesses
Are Dental Treatments Covered by Pet Policies?
In the same way that human health insurance policies typically treat dental care as a separate item, pet policies usually also separate dental care from other veterinary services. Some policies add coverage for dental coverage onto their standard coverages, while other policies don’t offer it at all.
What Are Accident-Only Pet Policies?
Some of the most affordable pet policies are accident-only policies. These policies typically only cover issues that are caused by accidents, excluding hereditary issues and many illnesses.
While accident-only policies have low premiums, their limited coverages may not meet the insurance needs of many pet owners. Prior to purchasing one of these policies, owners should speak with an insurance agent who can explain the limits of these policies in detail and check how much a more robust policy would cost.
What Dog Breeds Can Be Covered by Dog Insurance?
The vast majority of dog breeds, including both mixed breeds and purebreds, can be protected by dog insurance. Breed sometimes impacts price a little, but most insurance companies that offer dog insurance have policies available for lots of breeds.
What Are Coinsurance Payments and Deductibles in Pet Policies?
Just as they’re common in health insurance plans, coinsurance payments and deductibles are also found in many pet policies. These are two costs that policyholders generally must pay when filing a claim:
- Deductibles are usually a flat amount that a policyholder must pay before an insurance policy will begin paying on a claim
- Coinsurance payments are usually percentage-based payments that determine a percent of the covered costs which policyholders must pay
Deductibles, in particular, may have a per-visit, per-claim or annual amount that must be met before a policy begins paying.
How Can Vermont Pet Owners Get Pet Insurance?
For help finding pet insurance that’ll provide robust protection for your non-human friend, contact the independent insurance agents at T.S. Peck Insurance. Our agents have worked with many pet owners in Vermont, and we’re ready to assist you.