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Home / Insurance / Animal Health Insurance | Everything you need to know 2021!

Animal Health Insurance | Everything you need to know 2021!

I'm sure you can agree with me when I say that pet insurance seems to be extremely difficult to understand and probably even more frustrating to buy.

But get this:

It turns out that pet health insurance has a framework similar to traditional health insurance and it does not change.

Once you have learned that pet insurance is generally easier to understand and buy.

In this guide today I will go through exactly what pet insurance is, how it works and how I can use this information to find the best insurance for your furbaby.

  pet insurance
I & # 39; I'm sure you can agree with me when I say that term insurance seems to be extremely difficult to learn and even more frustrating to buy.

But is it?

It turns out that the term life insurance has a framework that does not change and once you have learned it, life insurance generally becomes easier to understand and buy.

In this guide today I will go through exactly what the concept of life insurance is, how it works and how I use this information to get the best rates.

The History Of Pet Health Insurance

  Cost of Pet Care

1890 Claes Virgin, founder of the County Insurance Alliance wrote the first pet insurance for pets in Sweden, believe it or not, it was focused on horses and livestock at it the time.

It's ok if you can not pronounce the name of his company, I did not even try it; The meaning of the name is literally "County Insurance ."

Britain would follow in 1947 with its first pet insurance.

When it comes to being a pet parent, the United States is not at the top of the list to cover our furbabies.

The first policy written in the United States was in 1982 and the first pet to receive coverage was good ole Lassie of Veterinary Pet Insurance.

We are drastically behind countries such as Sweden and the United Kingdom with only 0.7% of pets in the United States covered by pet insurance.

I know we had a late start; However, I think it's a bit ridiculous to be so far behind.

  Review of Pet Insurance

Lassie Getting Pet Insurance

What is Pet Insurance

When you first get your pet, the last thing on your mind are any future accidents or unexpected illnesses that may happen.

Basically you are 100% focused on sweetness, everything your cat or dog does is cute.

For some, their pet sweetness never disappears. .

The truth is, however, that accidents are likely to come and diseases as well.

When this happens, you already want your pet covered by Pet Insurance.

"In Plan English" – Pet Insurance is health insurance for your pet.

  best pet insurance

A pet insurance plan offers coverage for things like illness, medication, hospital stay, accidents and some even offer preventative care.

These insurances usually only cover cats, dogs and horses but you can sometimes imes find it for more exotic pets like rabbits and birds.

How does pet insurance work

Now I know that this will probably rub many pet parents the wrong way.

However, Pet Health Insurance is not considered a "type of health insurance", it is actually considered a property and accident insurance because your pet is seen in the eyes of insurance companies as a type of property that you own.

Other than this distinct difference, the insurances work almost the same. I will go through each part of a pet insurance plan below:


Like all insurances, each pet insurance comes with a monthly premium.

You can usually find savings if you pay the plan on an annual basis.

However, prices and premiums will vary depending on the type of pet and the age of the pet.


The deductible is how much money you have to pay before the insurance company starts sharing the costs of your coverage.

Each company will have different deductibles that can range from $ 50, $ 100, $ 200, $ 250, $ 500, $ 750 or $ 1000.

As with all types of insurance that have a deductible, the lower the deductible, the higher the premiums.

For example:

If you buy a pet insurance with a fee of $ 100.00 and your pet needs to see a veterinarian due to an accident, you are responsible for the first $ 100, 00 on the bill.

If your pet's veterinary bill is $ 100.00 or less, you are responsible for the entire bill, and the insurance company will begin assisting with their compensation.


The compensation is the sum of a veterinary bill that an insurance company pays when you reach your deductible.

Usually you have to pay the full amount and get "compensation" from the insurance company.

Compensation levels vary from 60%, 70%, 80% and 90%; I have not yet seen any policy in the US that offers a 100% refund option.

Let's say your cat hurts in the tail while playing around the house.

You take her to the vet, and your final bill comes up to about $ 2,500.

You have $ 100, deductible plan with 70% repayment, how the split would work looks like this:

Traditionally, you will pay 100% of the final bill and wait for the insurance company to reimburse you.

Based on the above plan, you are responsible for the deduction of $ 100.00 and also 30% of your pet costs.

The insurance company would deduct $ 100.00 and then repay you 70% of the remaining bill which would be $ 1680.

In total, you would have only paid $ 820.00 for a $ 2500 banknote. As you can see, the savings are fantastic and the policy pays off really easily if you have a vet visit.

Recently, a majority of pet insurance companies have offered the option of getting the payment directly to the vet. [19659005] Paying the vet directly is a good option, and I would suggest anyone who can go this route to take it because it allows you to avoid paying a large, unexpected bill out of pocket.

Annual Max

Think of the annual maximum as a "Cap" on your coverage.

If your pet's veterinary bills reach the maximum value for that year, you are responsible for 100% of the costs for the rest of the year.

Annual maximum values ​​can range from $ 5,000, $ 10,000 or unlimited .

The higher the annual maximum, the more expensive the insurance.

Listen now:

If you can afford it and the insurance company offers the alternative, I always recommend that you buy the Unlimited option. .

Insurance really protects us from uncertainty; It is much better for you not to have any "Caps" on cover for your pet.

The worst thing that can happen is that you stop getting a $ 25,000 banknote and you have an annual ceiling of $ 5,000, so you can easily slip into debt.


Receivables work a little differently with animal insurance.

You will want to know the exact process for filing a claim and how the damage process will work for which company covers your pet.

Most pet insurance companies now have mobile apps for Apple or Android.

With these apps you can take a picture of your vet bill, upload it and get your reimbursement in as little as 1 to 5 days via direct deposit.

If your pet insurance company does not have that option, you usually want to go online and print out a claim form and send in all the required documents by fax or mail.

Regardless of which option, it is important to leave the claim as soon as possible to get your refunds back.

Types of Pet Health Insurance

When you start looking for coverage for your pet, it is a good idea to understand exactly what type of coverage you are looking for and what type of coverage you may need for your pet.

You would not search for personalized dog blankets if you di already have no idea how you wanted it designed, so I suggest you do the same research for your pet insurance.

There are three main types of coverage, and I describe them below:


Accident protection is simply that, coverage for your pet if they have an accident.

This type of coverage is usually included in all basic pet insurance policies and can also be purchased separately with some companies.

Anyone who has a dog that is unable to qualify due to current medical issues would do well with just some kind of accident policy for their pet.


Sickness cover is also a standard benefit for all insurance policies; This cover is used to treat illnesses, diseases and any changes in your pet's normal well-being.

It is important to review the disease guidelines and know what will be covered and what will not.

Hereditary and Congenital Conditions

You want to search the insurance options for this benefit.

Although it is not a type of coverage option, it is important to have this inside your insurance.

You want to make sure that your pet can be covered for all hereditary conditions that you will not know when they are born.


Wellness is also preventive or routine care. This coverage can include things like vaccinations, exams and dental work.

These insurances are not offered by all insurance companies, so you need to look around to see if this benefit is offered if it is something you want.

Usually an additional fee is added to add this to the insurance. .

What is covered by pet insurance plans

Pet insurance covers a large number of situations and below we give you a sample list of things that are covered when you try to answer is pet insurance worth it. ] 19659099] Laboratory tests

  • Outpatient care
  • Medicine injections
  • Cancer treatments
  • Hereditary and congenital conditions
  • Fees for accidents and illness
  • Alternative therapies [19659099] Chronic conditions

As list shows, pet insurance is very flexible and you can cover your pet with a number of benefits.

Above the list above, there are also additional benefits that you can add to your insurance at an additional cost.

These benefits are usually part of the well-being we talked about above.

Additional benefits:

  • Spay / Neuter
  • Cleaning teeth
  • Rabies
  • Prevention of fleas / ticks
  • Prevention of heartworm
  • Vaccination / Titer
  • Wellness Exam
  • Heartworm Test or FELV Screen
  • Blood Exam
  • Microchip
  • Urine Analysis or ERD
  • Deworming [19659098] Parasite Exam
  • Fecal Exam

Keep in mind that the above list is only an overall view of things covered.

You must contact your animal insurance company directly to see what benefits they offer.

Now that we know what is covered, we can examine what is not covered.

What is not covered by pet insurance plans

Pre-Existing Conditions

Before the Affordable Care Act, commonly known as Obama Care, was enacted into law, we pet parents had to deal with the same situation.

No animal health insurance company already covers existing terms.

Each carrier indicates what is considered to be a pre-existing condition.

But everyone basically says the same thing:

Any illness or injury that begins before your insurance is effective or during your waiting period, will be considered "existing". Some conditions, such as broken bones or kennel cough, heal or are curable and require no further treatment. Once they have been healed or cured, these are not considered as existing conditions.

A pre-existing condition means that the condition first appeared or showed clinical signs or symptoms before your pet's coverage began. If there is a condition your pet is currently seen for or has been seen for before, it would more than likely be considered pre-existing. period (s).

An pre-existing condition is any injury, illness, or irregularity that you or your veterinarian noticed prior to your waiting period, even if your pet never visited the veterinarian for it. No pet insurance company already covers existing terms.

Your pet that has these existing conditions does not eliminate that they are covered.

The policy simply does not cover any veterinary bills associated with them.

Virtually all other situations will be covered; Be sure to check the policy and benefits guidelines as some insurance policies cover things that others will not do.

Pet Health Insurance Enrollment Process

The registration process is quite straightforward.

All animal insurance companies that I have reviewed or looked at online enable a seamless application process.

Everything can be completed online and your pet can be covered in minutes.

You may need to go through a phone process for more exotic animals, but overall, you can get your pet covered in minutes. [19659005] Check out the videos below for examples of how the enrollment process looks and works for two different pet insurance companies:

Pets Best Online Enrollment Process:

Healthy Paws Online Enrollment Process:

Hopefully you can see that registration for everyone Types of coverages are very quick and easy.

The most difficult thing is to find out what type of coverage your pet or pet needs.

Term Life Insurance Underwriting Outcomes

How much does pet insurance cost

What kind of guide would this be if we did not write about health insurance for pets?

After seeing how much protection your pet will have when you buy pet insurance [19659157] you probably think it will not be affordable.

But get this:

The average cost of pet insurance is only $ 27.00 / month.

This cover is available and affordable for anyone who has a pet.

Prices will be based mainly on pet type, age and location.

$ 27.00 / month is the average so below I have put together some sample price charts that show the cost of pet insurance based on pet type in the state of Georgia:

Example of pet insurance cost for dogs [19659156] * Rates are based on a mixed dog with a deductible of $ 250, 70% Reimbursement and unlimited annual coverage.

[19459] Reporting.

You probably noticed that cats are lower than the prices of dogs.

This is probably due to the fact that their average lifespan is 15 years compared to dogs that are 11 years old.

The same can be said about prices for pet parents who are women vs. . those who are men.

Prices for women are lower because on average they survive men.

Will my pets premium increase due to age?

As pets age, they have the same risk as we do when it comes to increased risk of things like cancer, kidney failure and heart disease.

Depending on the specific policy you have, prices may rise as your pet gets older to cover increased veterinary visits and your dog's aging needs.

It is also company-specific how the increase is handled.

Some companies will simply bill you based on your dog's age while others will base it on a specific needs increase in a particular area or area.

It is best to see your insurance details to see how exactly your insurance will work.

What If I Can & # 39; t Afford Pet Insurance

There are lots of options out there to help you make money on the site you can use apps to make money or refine the skills you already have to earn $ 100.00 extra per day.

You can even get paid to go with your dog. When it comes to offering pet insurance, you do not have to limit yourself as the premiums are not too expensive.

Is pet insurance worth it

As we said above, the average cost of pet insurance is about $ 27 a month.

Let's compare this to just a single visit to the vet for an acute, chronic condition or illness that could cost you over $ 20,000.

I can not imagine any situation that would make sense for someone not to have pet insurance.

Pets have energy, body and reflexes to create all sorts of chaos around the house and on themselves.

How to choose a pet care plan

When you start searching for the best pet insurance companies you need to look for the following things:

Damage payment rate How fast will this insurance company be able to reimburse you for the damage, the best pet insurance companies are usually able to pay damages within five days.

Highly rated – You want to check if A.M. Best or Demotech rating for the company you decide on, the best pet insurance companies will have A rating or equivalent. These ratings determine both financial strength and ability to pay damages.

Great customer service – This is an area you can not overlook. The way a company will treat you and how easy it is to talk to someone when you need help is basic. You want to make sure you have a team of people who appreciate your business and your pet.

Waiting time – Make sure your policy does not have a waiting time that is much longer than what other carriers offer. Each insurance will have its specific waiting times, so be sure to find the one with the shortest waiting time.

Additional benefits – Be sure to see what additional benefits can be added to your insurance. Not all insurance companies offer health care, if it is important to you, do not go and be sure to go with a carrier that offers it.

Can You Choose Your Veterinarian – For the most part, the best companies will not limit you to specific veterinarians, as with any policy, check before you buy that your veterinarian is either online or that the product works for someone veterinary.

Money back guarantee – I do not think you will find all pet insurance companies that do not offer any kind of 30 day money back guarantee; but if you are in that position, move on to another operator. The best companies will offer one.

Price that matches the coverage – For the most part, people think they want "cheap" coverage; but the confidence is that we actually just want the value of our money. Make sure the price you pay is worth the coverage you get for your pet.

When you start shopping for pet health insurance, go not only on price, but on total value.

Can You Trust Pet Insurance Reviews

I think you can trust the accuracy of how the product works and its benefits.

You can also trust the reviews that customers leave on the company page.

Most reviews really try to give you the answers to all your questions without you having to search online or the insurance company's website to get answers to a specific question that may hold you back.

What I do not think you should try to trust a review about is how good the product would be for your pet, to be honest, your mileage may vary.

Now, with that said:

Let me say I have two pet insurance reviews, one here at Pets Best and another here at Healthy Paws.

These reviews are two of the most detailed reviews you will find online about each product, and I recommend that you check them out when you get a chance.

One thing I try to do is put "Hard to find" information in one place so you can make a solid decision at the end of each review.

* Completely revealing * – I am a partner with both insurance companies and will be compensated if you buy coverage via any of the links inside the reviews.

The Future of Term Life Insurance

Life insurance for HIV patients:
Only recently have some insurance companies decided to start covering customers with HIV. As long as their number is correct and they receive consistent checks, their policy remains active. It is very new; however, it is definitely something that was missing in the market.

No exams
More and more companies are launching products that do not require an exam. Some companies even offer the same prices with an exam or without an exam up to a certain coverage. As technology grows and information becomes more accessible, the need for an exam will probably disappear for the average insurance policy.

Consumer Facing Applications
Haven Life, Ladder Life, Fabric and some others focus on consumer applications and notifications. You will no longer have to work with an agent to do your research and sign up for coverage, it has really taken a long time, but I think the life insurance industry is finally catching up.
No life insurance agents
The current advances in technology and information will eventually create an environment where a life insurance agent will no longer be needed to complete the sale of life insurance policies. My statement does not mean that advisors do not exist for more complicated products. I just see that they are becoming more specialized and offering life insurance in addition to their other services.

Life insurance companies want to give you a discount if you use wearables and let them get better data about your health. I'm not sure where they go with this process, but only time will tell if it is a viable process for life insurance.
Most Common "Beginner" Errors When Buying Life Insurance
Not Doing Enough Research

Not doing research in advance is the worst thing you can do when you start looking for a life insurance plan. Even if the framework for life insurance is uncomplicated, you will enter it unprepared to make you possibly buy the wrong product or a product that is not best suited for you and your family.

If you do not know the basics of life insurance, you really should not consider buying it. Take a few days to learn the basics, such as by reading this post and gaining a better understanding of what you will be experiencing.

Provide payment information before approval
I have seen this happen time and time again. The first agent you talk to sounds like they know their stuff and that they have the best prices. You register and provide all your information, but you have still not received a response to your approval. You wait a week and have not heard anything, so you start looking for more coverage elsewhere. You will find an agent who quotes you even better and they will get you approved in a few days. Two weeks later, you will receive approval for the original policy you purchased and the draft premium; now you are upset. It is best not to submit payment information when applying for life insurance until you have an approval and insurance number. Why pay for something you essentially do not have yet.

Not to use the Free Look period
You get a free look period with every life insurance you buy. This time gives you the opportunity to return the policy for your premium payment if you decide that you no longer want it. Most of them are 30 days; sometimes they can be shorter. Almost like a 30-day money back guarantee. Use this if you need to, you do not have to buy the insurance just because you were approved.

Request a quote the wrong way
The worst thing you can do is go to several websites and request a quote on life insurance. You must first make sure that the websites do not require any personal information otherwise you will get "100 phone call downfall" in one week. I wrote a post about this specifically on how to avoid this. The worse situation you can get into is getting so many calls and having an overload of information that you do not make a decision.

Not writing down the quotes
It is important that you write down all the quotes or put them in a spreadsheet. You should track:
Carrier's name
Product name
Term length
Coverage amount
Cited health rate
The reason for this is so that you can compare apples with apples. Be sure to get the same quote from everyone, do not come everywhere with multiple quotes.

Joining large real estate and accident companies
It's great to think that you can get a discount for bundling services. However, more comprehensive real estate and accident insurance companies are not always the best answer. Usually you can find much more affordable prices from operators that focus specifically on the life and health side of the industry.

Just as an example:

Running a quick quote with Statefarm – $ 250,000 in coverage for 30 years is $ 28.50 / month, but with Haven Life the same insurance is $ 21.63 / month or Standard Life same insurance $ 21.82 / month.

The latter carriers focus specifically on life insurance, and their prices are much cheaper with a saving of over $ 81 / year. If you had that insurance for 30 years, you would spend about $ 2,400 more than if you had gone with a company that focuses specifically on life and health insurance.

Test Your Life Insurance Knowledge
Quiz Creator

Have Pet Insurance Waiting Times

# 605b5e

Yes, pet insurance all have some kind of waiting time.

These periods will be based solely on the product type and permit type.

For example, some carriers provide:

A four-day waiting period for accident and illness while others may provide a two-day or ten-day waiting period for the same thing.

Waiting times can be up to 6 months for things like cruciate ligament events and related conditions or hip dysplasia.

Waiting times will vary depending on the company so be sure to read the details of each policy.

How to find free emergency care for pets

[19659225] If you are in need of free veterinary care for low-income families or free emergency care for pets, we have compiled a list below of places that can help you :

Banfield Hospital – Usually there inside a PetSmart store will help with veterinary care.

HumaneSociety.Org – They have both local and nationwide lists of places that can help.

Tree House Humane Society They have a list of places that can help you.

Animal Humane Society – List of resources that can help you.

Best Friends – List of local resources that can help you.

Brown Dog Foundation – A foundation that helps with pet care

This list will grow.

Contact us if you know of a place that we can add to the list above.

Demystifying Pet Life Insurance

According to Trusted Choice, it is probably not worth it to get a life insurance policy on your pet.

Unless your pet is a show animal and provides income, the probability that their death will affect you financially is very low.

Kolla listan nedan för kostnader i samband med begravning av husdjur:

  • Kostnad för att kremera ett husdjur: $ 60 till $ 150
  • Kostnad för en urna för husdjurs aska: $ 35 till $ 400
  • Kostnad för en gravtomt på en kyrkogård för husdjur: $ 400 till $600
  • Cost for a pet casket: $50 to $500

If you look at this list, you can see that you will probably pay anywhere between $85 to $550 to cremate your pet and around $450 to $1,100 to bury your pet.

In all honesty, you could probably save for this event than actually purchasing a life insurance policy for your pet.

No one wants to think about their furbaby dying; however, when it happens its best to be prepared financially.

Your Pet Health Insurance Questions… Answered

I know there are plenty of questions out there in regards to pet health insurance.

Hopefully I have answered all the ones you could think of.

If you still have questions; below are some that I didn't touch on:

Should You Cover Your PetSmart Pet Adoption With Pet Insurance?

Will Pet Insurance Cover Newborn puppy care?

Will Pet Insurance Cover Newborn kitten care?

Does Pet Insurance Start Immediately?

Does Pet Insurance Cover Shots?

We will also continue to update this list with more FAQ's when we get them.

If you have a question, fell free to ask us and we will answer you directly and add it to the list.

Additional Pet Resources

Below is a list of resources that can assist your pet, they won't all have something to do with pet health insurance; however, they will be beneficial: 

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