Does your dog have regular vet visits? Are you on a tight budget right now?
You may be wondering, does pet insurance cover vet visits?
You can find the answer to your questions below this article. In this blog, we discuss whether pet insurance can help you cover the cost of your vet visit.
Pet health insurance has grown in popularity over the years. However, many people cannot afford their health insurance, let alone their pets.
According to the American Pet Products Association (APPA), pet owners spent over $34.3 billion on veterinary care, surgical procedures and prescription drugs in 2021.
That’s a lot of money, don’t you think? That is why many pet owners now resort to pet insurance.
They turn to pet insurance because they want a safety net in case their dog ever needs emergency care.
But what about vet visits?
Additionally, when it comes to pet insurance and its benefits, you need to choose the best insurance plan that fits your budget and needs.
For example, if you are wondering whether Pet insurance covers regular vet visits? This depends on the pet health insurance you choose.
Without further delay, let’s find out if pet insurance can help with the cost of your dog’s regular vet visits.
Does pet insurance cover vet visits?
The short answer is yes, but it’s a lot more complicated than that. This depends on your pet health plan.
Because there are still many pet health insurance plans that do not cover annual vet visits.
With the minimum monthly payment or yearly (cheaper) payment, owners can rest assured that their dog is receiving medical care.
And when emergencies arise, they have the financial backing to cover them.
Pet health insurance does not work like human life insurance. Especially when it comes to preventive medical check-ups.
While the benefits of pet insurance are important and numerous, there are still some surprising factors pet owners should consider so they can maximize their returns.
Generally, in these cases, you will have to pay a premium for the plan, and the insurer will help you reimburse you for expenses related to routine vet visits, such as physical exams, vaccines, spaying or neutering, and more.
For example Pet’s Best’s Routine Grooming and Pet Wellness CoveragWe can help pay for their regular scheduled vet visits.
How does pet insurance cover visits?
Pet insurance is a unique form of protection for owners and their pets.
And as we discussed above, pet insurance can still help with vet visits, but not on the same day.
What do you mean not on the same day? This is because pet insurance works on a reimbursement model. For example:
- Once you reach the veterinarian, you pay for all services involved. You pay for the medication and other procedures. So prepare your wallets or credit card on this day.
- After that, your pet insurance provider comes into play. They will reimburse you for the money you have spent depending on your policy and the coverage you have agreed to.
- You must make and submit a claim. Then your insurance provider will now process it and transfer you the money you spent on the day of the vet visit.
According to Fetch by The DoDo, pet owners must submit two documents in order to get their money refunded.
The first document is a final invoice from your vet detailing your dog’s treatment and the cost.
The invoice must have a zero balance or be paid in full to be accepted.
The second document is detailed medical records of your pet’s most recent examination.
And claims are usually processed within 15 days of receiving your documents.
What is covered by pet insurance?
Again, it all depends on the coverage plan you choose.
You can opt for a comprehensive policy that covers a wide range of health issues.
Some plans cover microchipping and others cover end-of-life costs for dogs.
It’s all about doing your homework as a pet parent. It is your responsibility to choose the best possible plan for you and your pup.
The following pet insurance policies usually cover:
- bite injuries
- broken bones
- Harmful Toxic Ingestion
- Accidental swallowing of objects
- ACL tears
Common and serious illnesses
testing and diagnostics
- laser therapy
What is not covered by pet insurance?
Unfortunately, there are some conditions where pet insurance has exclusions. For example, they do not cover pre-existing health conditions.
If your dog has been ill or injured for a period of time prior to the commencement of insurance, it will not be covered by your pet insurance.
Another thing would be an experimental treatment. That is, if your pet is undergoing any treatment that is considered experimental, experimental, or not considered standard of care.
Next is grooming. Pet insurance does not cover pet grooming such as a bath, shampoo, or nail trimming.
In addition, food and dietary supplements are also out of the conversation. However, some plans cover prescription foods and supplements.
Other factors to consider
- The insurance plan you choose determines how much you are reimbursed. Research the right plan for you and your pup.
- Pet insurance is a great investment for pet owners right now. Research suggests that it’s best to get one now as it will only get more expensive over time.
- It’s best to talk to your veterinarian. Ask them for advice on which coverage plan is best or if they think pet insurance is worth it.
However, if you are on a tight budget, you can opt for Pet Wellness Plans. They are also sometimes called Preventive animal care plans or Pet Care Coveragee plans.
Remember that is a wellness plan completely different from animal insurance.
What is a Pet Wellness Plan?
There can be a lot of confusion when it comes to pet health plans and pet insurance.
Many pet parents choose pet insurance to be prepared for unexpected accidents, illnesses, and other emergencies, while some pet parents resort to wellness plans.
Dog parents choose wellness plans because they are designed to spread the cost of their pet’s routine care throughout the year, rather than spending big bucks on their annual or biannual vet check-ups.
Pet wellness plan cover
Pet wellness plans are designed to help cover the costs of routine wellness care. But just like pet health insurance, the coverage of a pet wellness plan depends on the one you choose.
Wellness plans can be purchased for an additional fee from pet insurance providers and veterinary clinics for use only at their hospital or within their other veterinary clinic network.
Some of the things a pet wellness plan will cover are:
- Spay or castration
- Annual wellness exams
- Regular dental care (teeth cleaning)
- flea prevention
- Heartworm prevention
Pet Wellness Plans vs. Pet Insurance
The main difference between a pet wellness plan and pet insurance is that pet insurance is designed to cover unplanned vet visits.
This includes diagnostics, the right treatment and medication for injuries or illnesses, which can quickly become very expensive.
As we touched on earlier, pet insurance helps with veterinary costs for diagnosis and treatment unexpectedly injuries or illnesses. For example skin problems, cancer, diabetes, UTIs, digestive problems and more.
On the other hand, wellness plans are for expected Veterinarian costs such as examination fees, vaccinations, check-ups, tooth cleaning, microchips, neutering, flea and heartworm prophylaxis.
frequently asked Questions
Is pet insurance worth it?
That all depends on who you ask. But every pet owner should have pet insurance.
Even if you think you can afford the vet bills, pet insurance can save you thousands of dollars in the long run.
Pet insurance is like a safety net for you and your pet. It can also be helpful if you own multiple pets.
How much does pet insurance cost?
One of the most common questions about pet insurance is how much it costs. Again, this all depends on the plan you get.
You can pay monthly or annually.
Monthly pet insurance premiums can range from $30 to $50 for dogs and $15 to $30 for cats.
Does my pet need pet insurance?
If you are unsure about getting pet insurance for pets, remember that even if they sleep at home all day, they can still get sick.
These pets are still vulnerable to emergency veterinary care.
And this is where pet insurance comes in. Remember that it’s better to be safe than sorry.
Does pet insurance cover vet visits: summary
To sum it up, if you’re asking if pet insurance covers vet visits, yes it does. However, not all offer this protection.
As pet owners, we all want the best for our pet. We all want to give them the best care and treatment if they are ever faced with illness or accident.
Some pet insurance companies offer additional fees so routine vet visits are tied into your established plan. So yes, pet insurance also covers regular vet visits.
Pet insurance is designed to cover the cost of an unexpected vet visit.
For example, pet insurance can come in handy if there is ever an accident, chronic illnesses, tests, diagnoses, medical procedures, and more.
You can also opt for a wellness plan. A wellness plan is like insurance for “expected” veterinary costs.
For example, a wellness plan can help with regular vet visits, microchipping, spaying or neutering, vaccinations, dental care, and flea and heartworm prevention.
In any case, you can always call and ask your veterinarian for advice regarding your pets.
RELATED: HOW DOG OWNERS SHOULD PREPARE FOR FINANCIAL EMERGENCIES