If you need a more accessible version of this website, click this button on the right. Switch to Accessible Site

WARNING

You are using an outdated browser. Please upgrade your browser to improve your experience.

Close [x]

Pet Insurance Explained


 

iStock_000004174139XSmall_1.jpg
Did You Know?
  • Many employers are starting to offer pet insurance as an employee benefit. Ask your employer for more information. Some companies will even pay for part of the monthly premium.
  • It is easier to insure a pet when they are younger and healthy.
  • Some adoption agencies offer a free first month of pet insurance when you adopt a pet.
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 $10.00 a month, while more extravagant plans cost upward of $400.00 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!


­

Exclusive Offer

Help us Protect your pet from Parasites!

Save 10% on fecal and heartworm testing during the month of April 2017.

THIS ---->https://whvhcom.vetmatrixbase.com/index.php

Office Hours

DayOpenClose
Monday9:00 AM7:00 PM
Tuesday8:30 AM6:00 PM
Wednesday9:00 AM12:00 PM
Thursday8:30 AM5:00 PM
Friday8:30 AM5:00 PM
Saturday9:00 AM12:00 PM
SundayClosedClosed
Day Open Close
Monday Tuesday Wednesday Thursday Friday Saturday Sunday
9:00 AM 8:30 AM 9:00 AM 8:30 AM 8:30 AM 9:00 AM Closed
7:00 PM 6:00 PM 12:00 PM 5:00 PM 5:00 PM 12:00 PM Closed
 
Please Note that we will be closed on April 14th and 15th for Easter.
We will return to normal hours on Monday April 17, 2017

Testimonials

Knowing that Crush was in such good, caring, and professional hands meant so much to us. The extent of your care and kindness during Crush's surgery went far beyond what we have experienced with other family vets. Your sincerity made us feel very comfortable and very easy to trust you, and we know Crush felt the same way. Thank you for staying with her after her surgery and for all the love and kindness you showed during Crush's stay and healing at the hospital!

Thomas & Family S

Newsletter Sign Up