Pet Insurance Explained

As the amount of money spent on pet healthcare increases steadily at an estimated rate of 40% a year, and as pets become more like family, owners are looking to spend more on their pet's health. Pet owners also want to have their pets covered by insurance.

Some basic plans start at $10 a month, while more extravagant plans cost upward of $400 a month. Since no two pet insurance plans are exactly the same, you should research each policy before making a choice that best fits your needs. The following questions are important to keep in mind when determining if pet insurance is worth the expense:

What's covered? Look over several plans from different companies before making a provider selection. Make sure the plan you choose defines clearly what is and what is not covered. For some pet owners, pet insurance is a safeguard for future catastrophes, such as sudden accidents or the emergence of a serious illness. For others, the coverage they choose applies to every vet visit, including checkups.

What's not covered? There is more to picking insurance plans then finding out what is covered by insurance. You need to also know what is not covered so you can compare plans to one another and so you are prepared when your pet needs a test or procedure that is not covered.

Are hereditary illnesses and conditions covered? If you own a purebred animal, they may be prone to a breed specific condition. For example, German Shepard's are likely to develop hip dysphasia, and Labrador's are often inflicted with eye problems.

What's the deductible? Is there a co-pay? Be sure to understand what you are expected to pay for and exactly how much. You don't want to pick an insurance that covers little if anything.

What (if any) is the age limit for a pet to be covered? The best time to purchase pet insurance is when your pet is just a puppy. As pets get older they require more care, especially later in their lives, and the premium goes through the roof or coverage no longer exists.

So who is pet insurance for? Pet insurance is best suited for pets that are young and healthy. Pet insurance is also a good investment if you:

  • Have multiple pets
  • Take in stray animals to help shelters
  • Breed dogs
  • Take your pet with you on vacation

The otherwise healthy dog. Many dogs can live long accident free lives today, but no owner can guarantee their canine companion will never have an accident such as eating a sock, swallowing a rock, or even getting hit by a car in the driveway.

How most insurances work: Unlike human health insurance, most pet insurance companies require you to pay the entire veterinarian bill at the time of service. You as the owner are then responsible to turn over itemized bills or invoices from us, your veterinarian, to the pet insurance company for reimbursement of qualified costs.

The best way to find the right pet insurance for you and your family should start with researching some reputable pet insurance companies. Ask for detailed plan information and price quotes.

Remember, pet insurance is not a necessity, and if you choose not to get insurance for your pet you are still a great pet parent!

Your First Visit is FREE

Sign up now

Office Hours

Monday:

7:30am

5:30pm

Tuesday:

7:30am

5:30pm

Wednesday:

7:30am

7:00pm

Thursday:

7:30am

5:30pm

Friday:

7:30am

5:30pm

Saturday:

7:30am

12:00pm

Sunday:

Closed

Closed

Location

Find us on the map

Testimonial

  • "SCAH has some of the most caring, compassionate and professional staff anywhere! They have treated our puppy dogs for the past 31 years and have treated each one with such kindness, knowledge and special care that we can't imagine going anywhere else. We have had some special issues with a few of our dogs and I feel like they not only did their utmost to give the best care, but also make sure that we as pet owners are part of the process. And when sadly, one of our fur babies has passed, they have given us such kindness and understanding that it makes a hard time much easier. Bless you all for your wonderful care to us and our doggies."
    Nancy N.
  • "Very caring people. I live in Clinton and it is worth the drive to them. I have been there a handful of times and the customer service has been above and beyond. Nothing but great things to say about every experience!"
    Chandra H
  • "i wish all the vets offices would do this!I think it is wonderful to advertise all our fur babies and how they are doing!"
    Penny G.
  • "Excellent caring staff. If I could give them a trillion stars I would. Your fur babies are in the best hands. The most caring compassionate staff you will ever meet!"
    Lori H
  • "Every single person at Scott County Animal Hospital, whether it is one of the doctors, one of the techs or groomer or a front desk worker...EVERYONE treats us like family every time we have a contact with them."
    Debi E.
  • "A huge thank you to Colene for always making Lola’s visits relaxing 💜 Lola did great with Dr. Knutson. I’m happy that I’ve finally found a place that truly cares about the well being of my fur-baby 🐶 Their whole staff is welcoming and I never have to worry about Lola’s appointments."
    Amber K
  • "The absolute best in the QC. Have always taken great care of our puppies and dogs throughout the years. Feels like family and always a warm welcome. Treat your pets with the best care like they are their own."
    VeronicaV.

Featured Articles

Read about interesting topics