Medical expenses are always high in the United States, and pet care is no exception. A doctor’s visit, an X-ray, or even a hospital stay can drain a pet owner’s wallet. To mitigate the financial strain of unexpected illnesses, more and more American families are purchasing health insurance for their pets. So, how do you buy pet insurance? Which insurance companies are reputable and trustworthy? And what are some pitfalls to avoid? This article will provide a comprehensive guide to choosing pet insurance and recommend several popular insurance companies.
Why is it necessary to buy pet insurance in the United States?
You may think that insurance is “useless” when your pet is healthy, but once an emergency occurs, it can save your life.
For example, if a cat accidentally ingests a foreign object, an X-ray can cost $200. If hospitalization is required, the cost for one night could be as high as $2,300! Not to mention the subsequent treatment and care costs.
Important reminder: Insurance policies have a waiting period (usually 14-30 days) . Illnesses that occur during this period are considered “pre-existing conditions” and will not be reimbursed. Therefore, it is important to purchase insurance as soon as possible while your pet is healthy.
A Guide to the U.S. Pet Insurance Purchasing Process
1. Pet physical examination
Before purchasing insurance, it’s recommended that you take your pet for a comprehensive physical exam and obtain a health certificate . Tell your veterinarian in advance that you’re purchasing insurance, and they’ll issue a report. The following documents can also serve as health certificates:
- Physical examination records within the last year;
- Health records provided by the Shelter or Breeder;
- Proof of recent vaccinations.
2. Choose insurance and purchase
Once you have your health certificate, you can purchase an insurance plan online. We recommend choosing an appropriate annual benefit limit, deductible, and reimbursement ratio based on your pet’s age, health, and family budget.
3. Waiting Period
Most insurance policies require a waiting period of approximately 2 weeks to 1 month after purchase. If your pet becomes ill during this period, the related expenses will not be reimbursed.
4. Claims Process
When your pet needs treatment, you can download the insurance company’s claim form in advance. After the treatment is completed:
- Collect medical invoices and related records;
- Submit a claim;
- Wait for the insurance company to review and issue payment (usually by check or bank transfer).
Recommended pet insurance companies
1. Fetch Pet Insurance
Official Website: https://www.fetchpet.comAverage
Cost : Cats approximately $25/month, Dogs approximately $35/
month Highlights :
- Behavioral therapy covers a wide range (anxiety, barking, fear, etc.);
- Including “special medical treatment expenses” such as emergency room and specialist clinic visits;
- With the most comprehensive dental coverage in the industry (including extractions, root canals, etc.);
- Pre-existing conditions may be covered after they are cured;
- The policy will never be terminated due to number of claims or illness.
2. Pet Plan
Official website: https://www.gopetplan.com
Monthly fee starts at approximately $20 +
waiting period : 15 days
Flexible plans :
- Three plans are available, covering common diseases, surgeries, accidental injuries, etc.;
- Customizable annual deductible (starting from $2,500), compensation ratio (70%-90%), and deductible;
- Advanced plans also include compensation for pet disappearance and death.
3. Progressive
Official website: https://www.progressive.com/pet-insurance/
Strong background : Progressive is a well-known large insurance company in the United States. Its pet insurance is provided by a third party, and the service is relatively stable and reliable.
Supports customized plan content, suitable for users who want comprehensive protection or already have other insurance products from Progressive.
Final Thoughts
Buying pet insurance isn’t just about financial security; it’s also about emotional responsibility. If you’re a pet owner looking to provide your furry friend with peace of mind, consider purchasing appropriate insurance while your pet is healthy. This small investment can provide significant peace of mind!
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