Pet Insurance Explained

As the amount of money spent on pet healthcare increases steadily at an estimated rate of 40% a year, and as pets become more like family, owners are looking to spend more on their pet's health. Pet owners also want to have their pets covered by insurance.

Some basic plans start at $10 a month, while more extravagant plans cost upward of $400 a month. Since no two pet insurance plans are exactly the same, you should research each policy before making a choice that best fits your needs. The following questions are important to keep in mind when determining if pet insurance is worth the expense:

What's covered? Look over several plans from different companies before making a provider selection. Make sure the plan you choose defines clearly what is and what is not covered. For some pet owners, pet insurance is a safeguard for future catastrophes, such as sudden accidents or the emergence of a serious illness. For others, the coverage they choose applies to every vet visit, including checkups.

What's not covered? There is more to picking insurance plans then finding out what is covered by insurance. You need to also know what is not covered so you can compare plans to one another and so you are prepared when your pet needs a test or procedure that is not covered.

Are hereditary illnesses and conditions covered? If you own a purebred animal, they may be prone to a breed specific condition. For example, German Shepard's are likely to develop hip dysphasia, and Labrador's are often inflicted with eye problems.

What's the deductible? Is there a co-pay? Be sure to understand what you are expected to pay for and exactly how much. You don't want to pick an insurance that covers little if anything.

What (if any) is the age limit for a pet to be covered? The best time to purchase pet insurance is when your pet is just a puppy. As pets get older they require more care, especially later in their lives, and the premium goes through the roof or coverage no longer exists.

So who is pet insurance for? Pet insurance is best suited for pets that are young and healthy. Pet insurance is also a good investment if you:

  • Have multiple pets
  • Take in stray animals to help shelters
  • Breed dogs
  • Take your pet with you on vacation

The otherwise healthy dog. Many dogs can live long accident free lives today, but no owner can guarantee their canine companion will never have an accident such as eating a sock, swallowing a rock, or even getting hit by a car in the driveway.

How most insurances work: Unlike human health insurance, most pet insurance companies require you to pay the entire veterinarian bill at the time of service. You as the owner are then responsible to turn over itemized bills or invoices from us, your veterinarian, to the pet insurance company for reimbursement of qualified costs.

The best way to find the right pet insurance for you and your family should start with researching some reputable pet insurance companies. Ask for detailed plan information and price quotes.

Remember, pet insurance is not a necessity, and if you choose not to get insurance for your pet you are still a great pet parent!

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Tuesday:

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Wednesday:

8 a.m.-5 p.m.

Thursday:

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Testimonials

Feedback from our clients

  • "Thank you so much for always being there for my pets. The Vets are amazing and the office staff is always friendly and compassionate. I am so thankful to have been able to have my animals treated by such a wonderful staff."
  • "My Chocolate Lab was attacked by 2 Pit Bulls and I didn't think He would survive. I got Him in the car, bleeding profusely, called Pacific Crest and Laura said "bring Him in". The poor dog had tubes in places I wouldn't dream of. His ears were torn in pieces and I had little hope for survival. Many more tales with both dogs and I would never think of going else where."
  • "Thank you for checking on my Baby love the staff very friendly Dr. Kelly is amazing too."
  • "Thank you for taking such good care of our Cleo!"
  • "I cannot say enough good things sbout the staff here. Took my 11 year old kitty in today for a severely infected abcess and they worked hard fixing him up. Everybody is so incredibly sweet and helpful! The price after treatment was very reasonable as well. Beautiful facility with the most caring and professional staff you'll ever encounter. My new vet clinic for all of my fur babies from now on"
  • "My kitties love Pacific Crest! We appreciate the TLC and especially the guidance when we've had to make end-of-life decisions for our pets. It's always tough but it helps when you have a vet who understands and loves cats as much as you do."
  • "Not only are they amazing with horses...they are awesome with your small, four legged friends. So caring and compassionate. I wouldn't take my pets anywhere else!"
    Tammy