Cumberland Animal Clinic does not endorse a particular insurance provider or insurance plan. While there are many policies and options available, you should know that there is no policy which affords 100% coverage. Many clients and patients do benefit from pet insurance but there are also instances when an insurance company may deny a claim based on a pre-existing condition or a congenital or hereditary problem. Pet owners should carefully evaluate insurance plans in order to determine if it is the best fit for their pet and financial circumstances. There is not one individual insurance company that is right for everyone, just like there is not one auto insurance company that is best for everyone. The right plan can save you significant out-of-pocket expenses when the unexpected happens but, please, do your research. Insurance coverage can and does vary.
Some of the differences in coverage can be:
- 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)
- Whether there is an annual contract that determines anything diagnosed in the previous year of coverage is considered pre-existing the next year.
We recommend that you investigate your insurance options thoroughly and to assist you in your efforts we are providing a few resource links. There are literally hundreds of websites now dedicated to pet insurance plan comparisons with customer reviews as well. As with anything, you can overdo your research and become paralyzed with information overload. The best approach is to determine what your budget is at the onset as that may help you narrow the options and identify the best fit.
Pet Insurance Review is a great place to start as reviews are from pet owners and there are many insurance providers available to obtain quotes from. Just answer a few questions and they will make recommendations that might be a good fit for you. The companies will followup by sending you information and rates. It's user friendly but it will take some time and effort to pick a company that will be the best fit for you and your pet.