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What Is Pet Insurance?

Peace of mind for pet owners, pet insurance protects against unexpected veterinary costs. As healthcare costs rise across the board, pet healthcare is no exception and, according to several pet insurance companies.

the average amount that most people can afford for veterinary treatment at any given moment is only $1,500. Veterinarians tell our team at Pawlicy Advisor that they have difficult conversations with pet owners about the cost of care anywhere from five to ten times per day.

Pet insurance is a health care policy for your pet that reimburses you for certain medical expenses.

In the event of a surprise accident or illness, having a pet insurance plan can protect your finances. However, pet health insurance has its limitations, so you should read the fine print on your policy before you buy.

Pet insurance helps reduce the financial risk of unexpected veterinary costs. The right coverage plan can buy you priceless peace of mind, and empower you to do the right thing for your dog or cat.

On a month-to-month basis, pet insurance works most like renter's insurance. You pay a monthly premium to your insurer for coverage. Your policy will outline which conditions/expenses are covered, your reimbursment rate, your deductible, and the maximum payout (or annual limit).

Most pet health insurance plans will reimburse you, the policyholder, rather than pay the vet directly. This means you don't have to worry about finding an "in-network" vet and can benefit from your coverage at any licensed vet clinic or animal hospital in the U.S.

What does pet insurance cover?

Like a home, typically, your condominium is your most valuable possession, as are your often priceless personal belongings. Like standard homeowners insurance, condominium insurance can protect you from financial hardship if your condo and its contents are damaged. Additionally, condominium insurance protects from claims by others who may be injured in your condo.

Purchasing a condo insurance policy is a relatively modest investment that can help complete your overall insurance plan and provide affordable and abundant peace of mind.

What is condo insurance?

Condo insurance, or an HO-6 policy, helps cover repair costs and financial losses arising from damages to the condo or claims against the owner. Condo insurance works in conjunction with a policy purchased by the condominium complex’s management, typically called HOA insurance or a master policy.

The insurance industry refers to condo insurance as an HO-6 policy. There are several types of HOA insurance policies that provide different levels of protection for unit owners. Since HOA policies generally only cover the complex’s common elements or shared structures, you will want to purchase an HO-6 policy to provide coverage for your specific condo and the personal belongings within it.

The difference between an HO-3 and HO-6 policy?

The key difference between HO-3 and HO-6 policies is that HO-3 policies cover homes and HO-6 policies cover condominiums. As such, an HO-3 policy covers damage to the entire home, including internal and external structures of the home as well as personal belongings and owner liability.

Whereas an HO-6 policy also covers the condo from the “walls in” and personal belongings inside the condo. The exterior elements of the building, like the roof, are covered by the HOA master policy.

What isn’t included in pet insurance

1. Excess

Excess is an amount that you will always need to pay when you make a claim, whether it’s for vet fees, complementary treatments or third party liability. We’ll simply take the amount off your claim settlement. This amount varies depending on which plan you’re with, the age of your pet and what benefit you’re claiming under.

2. Routine treatments for dogs and cats

Taking care of your pet day-to-day isn’t included in your cover. For example, you’ll need to have your pet’s teeth examined once a year by a vet, keep on top of worming and flea treatments and ensure they have a secure and safe place to live.

3. Vaccinations

As part of looking after your pet, you’ll need to make sure they’ve had their vaccinations. For dogs this means getting injections from the vet for distemper, hepatitis, leptospirosis and parvovirus. And for cats – feline infectious enteritis, feline leukaemia and cat flu. Rabbits will need vaccinations against myxomatosis and rabbit haemorrhagic disease, which can be given to rabbits when they are five weeks old.

4. Older pets

If your rabbit is over 5 years old, your dog over 8 years old (over 5 years for some breeds) or your cat over 10 years old, then unfortunately, we can’t offer you lifetime insurance for your pet. Our Essential policy can be used for our older animal loved ones as this covers them for the immediate cost of treatment. We don’t offer this policy for rabbits.

5. Excluded breeds

Some dog breeds are not covered by insurance. These include dogs that must be registered under the Dangerous Dogs Act and pets used for security, guarding, track racing or coursing.

6. Pregnancy and giving birth

Our insurance plans aren’t able to cover injuries, illness, deaths or hospital visits that happen because your pet is pregnant or has given birth. But we do work with breeders to provide pet insurance with immediate cover for puppies and kittens, that breeders are free to issue to owners

7. Pre-existing illness or injury

If your pet has been injured or has suffered from an illness before you’ve taken out insurance, we won’t be able to provide cover for that particular condition. But with our Covered For Life® policies, if your pet gets a new illness or injury after you’ve taken out a policy, then we’ll provide cover for that for the rest of his or her life as long as the policy is renewed each policy year.

What we can cover

1. Vet’s bills

Each of our policies covers you for visits to the vet for illness or injury. You can find out more about the different amount you can claim for by reading about our different policies.

2. Third party liability insurance

Our dog insurance policies cover you for Third Party Liability, this benefit can cover you for any injuries or damages your dog might cause when you’ve taken all the steps you can to control them. We’ll pay compensation and costs and expenses, but you should check your Terms and Conditions for full details.

Third Party Liability Insurance

3. Purchase price

In the sad event that your pet gets lost or stolen, we’ll pay you the amount on your receipt or rehoming document – or the market price if you didn’t pay for your pet. Depending on the kind of policy you have, you may also be able to claim the purchase price of your pet if they die.

4. Hospital visits

If your beloved pet needs to stay in the hospital while they recover from an illness, we’ll cover the cost of their overnight fees up to the amount specified in your Certificate of Insurance.

5. Death from illness or injury

On certain policies, as long as your pet is in the when the moment comes, we’ll pay the price you paid for your pet if he or she dies from an illness or injury. You might also be wondering, does pet insurance cover cremation? We’re afraid our policies don’t cover cremation or burial.

6. Theft or loss

Plenty of pets are escape artists who run away from time to time. If your pet strays or is stolen within the or the EU, we’ll pay for the cost of advertising and cover the reward you’ve offered to get your pet back. If your pet is lost or stolen outside , we’ll also pay for the cost of your accommodation to stay and look for him or her (in EU countries only) if you haven’t found them by the time you’re meant to go home. Please check your Certificates of Insurance for detailed information.

7. Complementary treatment

Sometimes your vet may recommend an alternative treatment such as herbal medicine or homeopathy. There’s a wide range of complementary treatments available for cats, dogs and even rabbits! Our policies cover you for acupuncture and up to 10 sessions of therapies such as hydrotherapy for each injury and illness, if it’s been recommended by a vet.

How much will pet insurance cost?

According to the North American Pet Health Insurance Association, the average cost for pet insurance is only $46 per month.

However, that is just the average.

Depending on your pet type, breed, age and where you live. For example, prices are different for dogs and cats. The average price overall is $46 per month, but for a dog it’s $49 per month and only $29 per month for cats.

At Angel Family Insurance we are committed to helping you find the right insurance coverage at the best price. We are an independent insurance broker with options for you.

Our experienced, local insurance agents, take the time to assess your individual needs and develop a policy that fits your budget.

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