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Physical exams, vaccinations, medications, flea and tick products, and lab tests are part of a pet's life. Last year pet owners spent $18.2 billion in pet health care, and many are investigating pet insurance to help with those costs.
Pet insurance doesn't work quite the same as human insurance, as you can see any licensed veterinarian worldwide without co-pays. Pet insurance also tends to be much less expensive than human insurance.
Broad examples of the available options:
• Pays 80% to 90% of veterinary visits costs and coverage includes medications, illnesses, accidents, or injuries
• Pays 90% of the veterinary bill with maximum benefits, covering diagnostics tests, prescriptions, treatments, hospitalization, office visits, x-rays, lab tests, and surgeries
• Pays for vaccination and routine care, covers fecal tests, micro-chipping, heartworm tests, FeLV/FIV tests, and spays or neuters
• Pays for all incidences, but offers less reimbursement
• Cancer riders covering skin cancer, bone cancer, leukemia and more are available with some plans
• Items not usually covered include congenital or hereditary defects or diseases, special diets, pet foods, vitamins, boarding or transporting expenses, grooming costs, or diseases preventable by vaccines
• Pre-existing conditions prior to activating the policy require documentation in the pet's medical records and may be covered
Most plan claims are easy to file. After visiting a licensed veterinarian, owners pay for the visit at the time of the service, fill out a claim form with the diagnosis, and the veterinary staff signs the form. The owners mail the claim form to the insurance company with the original veterinary invoice. Reimbursements are then calculated and sent to the policyholder.
Here are a few resources for more information on pet health insurance:
• Veterinary Pet Insurance (VPI) 800-872-7387; http://my.petinsurance.com
• PetCare Pet Insurance Program 866-275-7387; www.petcareinsurance.com
• Premier Pet Insurance 877-774-2273; www.ppins.com
• Healthy Pet Insurance 800-994-9442; www.healthypetinsurance.com