Questions to Ask When Considering Which Pet Health Insurance to Buy

We all love our pets and many consider their pets to be their furry children. When they get sick we want to be able to take care of them properly. With technological advances in veterinary medicine, much more is available now in both diagnostics and treatment. Procedures such as MRI's, CAT scans, chemotherapy, and radiation treatment are all common but they can be quite expensive. Many people are now considering pet health insurance to help with the costs. It is important to ask the correct questions when interviewing companies that offer this insurance, so you know what you're getting.

Pet health insurance is different from "human" health insurance in the way that with pets, the doctor is paid first and then the pet owner is reimbursed by the insurance company. There are several companies offering pet health insurance in the United States and they differ in their policies. Other companies offer pet insurance in other countries. Some companies offer different levels of care. There basic plans that cover accidents and illness, as well as premium plans that cover all aspects of health and wellness.

Most plans do not cover pre-existing illnesses, and this may be important in how other symptoms are covered by your plan. If your pet, for instance, has an ear infection in its history, ask if in the future the pet is diagnosed with an allergy, but with other symptoms, if that will be covered. An ear infection is often caused by an allergy. If your cat has been treated in the past for vomiting, and is later diagnosed with another disease that can cause vomiting such as IBD or kidney disease, will that be covered?

Another issue with the pre-existing clause is that it is important to ask if your pet is evaluated for coverage when first obtaining the insurance, or with each renewal. For instance, if after you get the insurance, it pays for treating your dog's ear infection, will another ear infection treatment be covered next year?

Many plans do not cover "genetic" diseases. With advances in DNA studies, veterinary medicine is discovering more and more diseases are genetic based. It is important to ask what diseases they consider to be genetic for the breed that you own.

Some policies cover only up to a certain age of your pet. Some do not cover prescription drugs or dental disease. Others have a yearly or lifetime dollar limit.

Most companies have a deductible and then pay a percentage of the bill, usually 80% to 90%. Some companies have a set dollar reimbursement for each problem or procedure.

Another consideration is whether to obtain a basic or premium plan. It is important to compare the costs of each option. In many cases, it may be more prudent to purchase the basic coverage.

A small percentage of pets are covered by health insurance at the present time but this is expected to change in the near future. More than 1600 companies, including Google and Office Depot, offer pet health insurance as an optional employee benefit.

Location

Find us on the map

Office Hours

Monday:

8 a.m.-5 p.m.

Tuesday:

8 a.m.-5 p.m.

Wednesday:

8 a.m.-5 p.m.

Thursday:

8 a.m.-5 p.m.

Friday:

8 a.m.-5 p.m.

Saturday:

Closed

Sunday:

Closed

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