Pet Insurance

Pet Insurance: While surfing the internet I came across this question; what is pet insurance and how it works?

To proffer an answer to this question, I’ve decided to prepare a simple post like this one believing that it’ll be of help to as many of the persons that want to know what this insurance policy covers.

So this article set out to cover what you ought to know about pet insurance in general.

Let’s get started.

Pet Insurance
I know some persons must have been wondering why they should take out pet insurance. Interestingly, for most of us, pets are part of the family, so when a beloved four-legged friend suffers an illness or injury, it is upsetting and, very often, extremely expensive. There are a lot of registered insurance companies that provide pet insurance to persons that want to get it.

Pet Insurance

Note that vet bills can make a significant dent in your finances, so it’s worth planning for unexpected costs so you’re covered if your pet needs medical treatment.

What Pet Insurance Covers
Pet insurance covers your unexpected and expensive vet bills. When you take out a pet insurance policy, some features come as standard. These include, but are not limited to, the following:

– Vet fees/medical treatments covered
– Kennel and cattery fees (should your pet need to stay for recovery)
– Liability cover
– Advertising costs and rewards

There are exceptions to what pet insurers will pay out for, so it’s important to check the small print when taking out a policy. Exemptions usually include cover for routine check-ups, pre-existing medical conditions and behavioural problems.

Read: How to Create An Awesome Facebook Account

Most insurance companies allow you to pay monthly or annually and your cost depends on how much coverage you want.

You’ll choose a reimbursement option when you enroll. Once you meet your annual deductible, you’ll get reimbursed for certain percentages (depending on option selected) of your veterinary bills for all covered illnesses and injuries.

Types of Pet Insurance
There are different types of pet insurance. According to Moneysupermarket, there are four basic types of pet insurance. They are as follows;

1. Accident only

2. Time limited

3. Per condition

4. Lifetime

Read: What is life insurance

Here’s a brief explanation of what the various types of pet insurance listed above are all about.

i. Accident only: Provides cover for vet bills if your pet is injured in an accident. It’s the cheapest type of pet insurance.

ii. Time limited: These policies provide cover for a specific time, usually 12 months, to cover accidents or short-term illnesses.

iii. Per condition: Also known as ‘maximum benefit’ cover, per condition policies allocate a fixed sum of money to treat each illness or injury.

iv. Lifetime: This type of cover is more expensive than the others but protects your pet over the course of its life.

Pet insurance plans 
You can get a pet health insurance quote from registered insurance companies and you can choose which plan you want. Additionally, you can customize your plan to fit your coverage and budget needs.

BestBenefit Accident and Illness Plan 
The most comprehensive and popular plan—covers accidents and illnesses.

Illnesses small to large, including chronic conditions and diseases such as cancer

Hereditary and congenital conditions

Accidental injuries


Surgeries MRI, CT scans, and X-rays

After-hours emergency

Visits to specialists

And more

Accident Only Plan 
Covers accidental injuries (does not cover illnesses)

Broken bones

Being hit by a car


Bite Wounds

And more

Wellness Routine Care Plans 
Cover routine and preventative care

Annual wellness check-up and bloodwork

Vaccinations Flea, tick, and heartworm preventatives

And more

Note that it’s best to get your kitten or puppy insurance, or your newly adopted pet enrolled in insurance as soon as possible, before they have health issues since pet insurance doesn’t cover pre-existing conditions.

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