What pet insurance covers
Hereditary and congenital coverage
Hereditary coverages can be important, depending on your pet’s breed. Purebred dogs, especially certain breeds, often have common hereditary conditions like breathing issues for bulldogs and hip dysplasia in German shepherds and other large breeds. Other hereditary conditions include diabetes and cherry eye. You will want to check any pet insurance policy you’re considering to make sure the costs related to these issues will be covered if your pet develops them.
Congenital problems are medical issues your pet has had from birth, like a cleft palate, heart defects, or other problems in their limbs or organs. Many of these conditions don’t show up until years later, so you will want to consider if you need a policy that covers them. For example, if your cat is diagnosed with a heart murmur when she’s ten years old, that would usually be considered a congenital issue and only covered if your policy includes congenital problems.
Pet cancer coverage
Cancer in cats and dogs is sadly very common over age 10. If you have an aging cat or dog, cancer is the number one cause of death as they get older. Treatment can be very costly. Not all policies cover cancer care, so be sure to check any policies you’re considering for details.
Cancer coverage is becoming more important as cancer treatments for dogs and cats improve. New and more advanced treatments are becoming available and can lead to longer lives for your beloved pets. But the cost can run to $10,000 or more for cancer treatments. Pet insurance allows you to afford the treatment your pet needs without breaking the bank.
It’s important to note that cancer is not covered when it’s a pre-existing condition. If your cat or dog is diagnosed with cancer before you buy pet insurance, any further treatments can’t be claimed on your pet insurance no matter what policy you buy.
Pet insurance will cover any certified veterinarian who treats your pet. This means you can have your pet seen by your most trusted vet – you aren’t restricted to a certain area or practice.
But unlike human insurance, with pet insurance, you’ll have to pay any bills upfront. Most vet offices require payment at the time of your visit. This means you will pay all costs out of your pocket at the time of care, and then submit a claim to be reimbursed by your pet insurance after your visit.