Your Pet Health Insurance Checklist

Family Health
on September 1, 2009

Researching insurance options for Fido or Mr. Kitty? Use this list from Dr. Nancy Kay to help you evaluate your choices.

  • Preexisting conditions. Will your pets’ preexisting conditions be covered after a particular disease-free time interval, or are they “blacklisted” for life?
  • Inherited diseases. Most purebreds are born with a laundry list of potential inherited conditions. Find out which ones apply to your dog or cat (the breed association is a good place to look) and ask if they will be covered.
  • Anticipated conditions. Will conditions such as dental disease, arthritis or pregnancy be covered?
  • Repeat offenders. These are critters who find ways to get into the same kind of trouble over and over again. Will each event be covered or will a “cap” be applied?
  • Claims processing. What is the turnaround time for reimbursement? Keep in mind that, unlike human medical insurance, you have to pay out-of-pocket for treatment and file paperwork yourself (great for us vets, not so much for you!).
  • More advice on choosing a pet health insurance carrier.


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