Puzzled By Pet Health Insurance? What It Is And Why Your Pet Needs It

Puzzled By Pet Health Insurance? What It Is And Why Your Pet Needs It


This is a sponsored post written by me on behalf of Armed Forces Insurance. All opinions are 100% mine.

Pet ownership, like most things related to the military, has an extra level of complication. As a military pet owner, you need to understand the housing regulations for your pets. You need to have the financial ability to move your pet with you when those last-minute PCS orders to an overseas military base drop. Then when you get to your new duty station, you need to find a veterinarian that you and your pet love, trust and respect.

The next question is can you afford this veterinarian’s medical care for your dog or cat?

With pet health insurance, you can.

Puzzled By Pet Health Insurance? What It Is And Why Your Pet Needs It

What is pet health insurance?

Pet health insurance is exactly what it sounds like. It’s health insurance for your dog or cat. And if you have a pet, it makes financial sense to have pet health insurance.

From routine office visits to significant medical incidents, pet health insurance provides protection for your dog or cat when he or she needs it most – especially when it comes to emergency care.

What does pet health insurance cover?

There are 3 product options for pet health insurance. There’s accident-only pet health insurance, which typically covers foreign body ingestion, lacerations, motor vehicle accidents, ligament tears and poisoning. Only 2% of pets in the United States are insured under accident-only policies, according to the North American Pet Health Insurance Association.

The next option is accident and illness coverage. This insurance plan covers medical care due to accidents, like the first coverage option, but it also includes infections, digestive problems and cancer.

The third option (which most pet owners buy) is pet health insurance with embedded wellness. This is a comprehensive plan that may cover vaccinations, early screening diagnostics, consultations for proper nutrition and dental care.

When exploring the various pet health insurance options, be sure you understand exactly what’s covered under your coverage plan and what’s not. Ask the insurance representative about specific illnesses, injuries and procedures.

For example, are X-rays included in the accident-only insurance plan? Are prescriptions covered in the comprehensive plan? How much is my deductible? Can I choose my veterinarian under this coverage or is there an in-network vet clinic that I’m required to visit? Do I file the claims for reimbursement after medical care? Will the vet clinic file my claim for me?

Armed Forces Insurance offers a simple, yet comprehensive pet health insurance plan to cover your cat or dog against accidents and illnesses (except those that are pre-existing). Their affordable plan covers the following:

  • Breed-specific conditions
  • Cancer treatment
  • Diagnostic testing and imaging
  • Surgery, hospitalization and nursing care
  • Alternative therapies and rehabilitation
  • Emergency room and specialist care
  • Vet exam fees
  • Prescription drug coverage (optional)

How are claims paid?

Pet health insurance works a little differently than auto or health insurance. With the majority of pet health insurance plans, the pet owner pays the expenses out of pocket at the time of medical treatment and then files for reimbursement. The insurance company then sends a check to you.

This is another factor to consider when selecting a pet insurance policy. Find out how long it typically takes to get reimbursed, what portion of the costs will be reimbursed and what you need to do to file your claim.

Can I afford pet health insurance?

The short answer is yes. If you can afford to have a cat or dog, you want to make sure that you can buy pet health insurance. Pet health insurance provides peace of mind for the unpredictability of pet ownership. You don’t know when an accident is going to happen. You don’t know when your cat is going to be facing an illness. You don’t know when your dog is going to eat something that he shouldn’t have.

You just don’t know.

But you do know that vet care can become quite costly during these crisis moments.

Did you know the American Pet Products Association estimates that Americans will spend more than $16 billion on vet care in 2017?

$16 billion. That’s a big number.

Pet owners shouldn’t be shocked if they incur at least one $2,000 to $4,000 bill for emergency pet care at some point in their pet’s life, according to Louise Murray, D.V.M., a veterinarian and vice president of the ASPCA’s Bergh Memorial Animal Hospital.

Can you afford those unexpected out-of-pocket expenses during an emergency?

You can limit your out-of-pocket expenses for vet care with pet health insurance.

In 2016, the average cost of pet health insurance for a dog was $517.63 and $321.27 for a cat, according to the North American Pet Health Insurance Association’s 2017 industry report.

AFI’s policy can be customized to fit any budget without sacrifice in coverage. For example, the policyholder might want 90% reimbursement with an annual $500 deductible or 80% reimbursement with an annual $200 deductible.

Each pet has an annual maximum for reimbursement that can be set at $2,000, $5,000, $10,000 or $15,000. There is a lifetime maximum of $50,000.

In my opinion, pet health insurance is part of being a responsible pet owner. And like any other insurance, you pay for it monthly, hoping that you’ll never have to use it. But when crisis strikes, you are happy you have insurance to get you through the challenges that life presents us.

Limit your out-of-pocket expenses for your pet with a no-obligation quote today. Your call will be answered by a knowledgeable, licensed AFI agent and it only takes a few minutes. Don’t wait. Call AFI today at 800-266-6878 to request a quote or visit them online at www.afi.org/pet.





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