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This is the most basic level of coverage and usually does not cover illnesses (such as diabetes, cancer, ear and skin infections) or preventative services (such as annual exams, booster shots, vaccines, spay/neuter).
However, even this basic plan potentially offers significant savings on unexpected medical expenses and provides the pet owner with some peace of mind.
When price shopping, there are four variables to take into consideration including: premiums (fees charged by insurance providers), deductible (how much you pay before the coverage starts), reimbursements (how much the insurer pays after you pay the deductible), and caps (predetermined annual and/or per-condition limits on reimbursement).
No two insurance companies offer exactly the same insurance packages, but the following example will give you an idea of what services levels of coverage come with an additional price.
Cost -- Coverage -- Types of services typically covered $ -- Accidents only --Accidents = broken bones, burns, lacerations, cuts, foreign object ingestion, poison $$ -- Accidents + illnesses -- Illnesses = ear and skin infections, cancer, diabetes $$$ -- Accidents + illnesses + wellness -- Wellness or preventative services = routine care, annual exams, vaccines, flees heartworm $$$$ -- Accidents + illnesses + wellness + dental -- Dental = dental cleaning *Pet insurance plans typically range in cost from $10-$80/month Pet insurance companies either pay a percentage of your veterinary bill or they pay a fixed amount based on a benefit schedule.
The benefit schedule is uniform across the U.
S.
so it does not take into consideration the cost of living in different areas.
A pet owner in California is probably going to be charged more than someone in Kansas for the same service.
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