Varieties of Pet Insurance

Varieties of Pet InsuranceThere are different types of pet insurance depending on your pet’s needs, as well as what type of pet you have. Each one is geared toward a specific qualification in a pet, and thus, you should evaluate what type of issues your pet may have, as well as things like age and size to determine which pet insurance plan is best for your pet.

The Two Types of Plans Are:

Full Coverage

A full coverage plan covers virtually all of your pet’s medical expenses, whether it be monthly or annual visits to the vet or medicine that it is required to take. Additionally, the full coverage plan allows your pet to be financially covered for extensive surgeries or procedures that it might need.

Who Should Get This Type?

If you have an older pet or a pet that is frequently ill, a full coverage plan can be extremely beneficial for you. It will potentially save you thousands of dollars on medical treatments that you would otherwise have to pay out of pocket.

Also, if you have a pet that engages in risky behavior often, such as a hunting dog or a horse that is meant for equestrian purposes, you may want to strongly consider this option. Another extremely significant reason that you should invest in a full coverage pet insurance plan is if you are aware that your pet must take a specific medication or multiple medications for an extended period. Like human medication, pet medication without having insurance can be very costly.

Standard Coverage

Standard coverage pet insurance is the typical type of pet insurance that people opt to get because it offers a lower price. A standard plan allows you to get financial coverage for expenses like veterinary appointments and checkups.

However, standard coverage pet insurance plans do not cover the costs of any type of surgery or procedures that your pet may have to undergo at any time. Typically, if your pet does require surgery, you will get partial coverage and will have to pay a certain amount to cover the costs of the procedure.

Who Should Get This Type?

If you own a pet that is younger or is in good health, a standard coverage plan should be more than sufficient. If your pet does not require medication or is not engaged in any behavior that may cause severe injury, then we recommend this type of plan for you.

One thing you should keep in mind is that as your pet ages, it becomes more vulnerable to sickness and disease, thus, now you may want to reconsider your options and get more full coverage on your pet insurance plan.

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