What is Pet Insurance?

Pet insurance pays, partly or in total, for veterinary treatment of the insured person's ill or injured pet. Some policies will pay out when the pet dies, or if it is lost or stolen.

As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pets' health care and standard of living than previously, the market for pet insurance has increased.

Are All Pet Insurance Policies The Same?

There are a number differences between the different pet insurance products available on the market. Here are a few things we look for to find the perfect insurance for our clients (and their four-legged friends).

• Whether congenital and hereditary conditions (like hip dysplasia, heart defects, eye cataracts or diabetes) are covered;
• How the reimbursement is calculated (based on the actual vet bill, a benefit schedule or usual and customary rates);
• Whether the deductible is on a per-incident or an annual basis;
• Whether there are any limits or caps applied (per incident, per year, age or over the pet’s lifetime); and
• Whether there is an annual contract that determines anything diagnosed in the previous year of coverage is considered pre-existing the next year.

Contact us to learn more about the right travel insurance coverage for you.

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(631) 369-0888
The Washwick Agency
& PBBA Team
860 East Main St
Riverhead, NY 11901