There are dozens of insurance companies that provide pet insurance and tens of options in the pet policy you can customize. Why do you need pet insurance? What is the cost of pet insurance? What are covered and not covered by pet insurance? We want to answer all the questions for you in this article.
Why do you need Pet Insurance?
Pet insurance can help you improve animal welfare because there might be large bills when taking care of your pets. In our blog, we summarized 12 reasons you need pet insurance. Your pets get sick too, and may have accidents. The bills for your pets can sometimes be unexpectedly high. The pet insurance is primarily to cover those expenses.
In addition, some great insurance coverage will also pay if your pet dies, lost, or stolen. You can even find coverage that covers the expenses if your pet injures someone else. Therefore, having a good pet insurance plan can help you find the best care possible when unexpected things happen.
💡Takeaway: Basic pet insurance covers your pets when they get sick or injured. Better (more expensive) policies can cover when your pet dies, lost or stolen.
How much is pet insurance in Alabama?
The average pet insurance is about $26 per month in Alabama while the national average is from $11 to $49 per month. The premium is determined by factors such as your type of pet, the pet's health condition, and your coverage, etc., The below table shows the cost of pet insurance in 20201.
| Accident & Illness | Accident Only | |
|---|---|---|
| DOG | $594.15/year | $218.13/year |
| CAT | $341.81/year | $133.61/year |
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What does pet insurance cover?
Many insurance companies provide pet insurance. The pet insurance coverage usually covers the costs related to medical advice, diagnosis, care, or treatment. Below is a list of common coverage. Because pet insurance coverage varies from company to company, you should always refer to your own policy to see your actual coverage.
- Accidents
It covers the injuries and emergencies related to accidents. - Illnesses
It reimburse you for the costs of major or minor illnesses. However, pre-existing conditions are normally excluded. - Prescriptions
When your pet gets sick, you may need prescription medications. If you opt-in the prescriptions coverage, your cost can be covered. Prescription coverage usually comes with limits. - Hereditary conditions
This is usually an add-on as well. It covers the costs of inherited conditions and birth defects.
💡Watch out the add-ons
Because pet insurance is not as old as traditional insurance such as auto insurance. Coverage packages vary from companies to companies. Always pay more attention when you compare the packages.
What are not covered by pet insurance?
Pet insurance does not cover all the risks. When you purchase your policy, it is always important to read your policy to understand the exclusions. Here is a list of common things you need to pay attention to.
- Pre-existing conditions
- Waiting or affiliation period
- Treatment of a hereditary disorder
- Costs for congenital anomaly or disorder
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Disclaimer
Our articles are intended for informational purposes and should not be considered legal or financial advice. Our
articles are not written or reviewed by insurance agents. Consult your policies with your agent or a
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