pet insurance

​Many people feel that their pets are a member of the family and need insurance to cover the needs for their care and well being.  Just like health care for families, the cost of pet care can be financially overwhelming.  The  three main types of pet insurance are:  Accident which protects you and your pet in the event of an accidental injury, bites, ingested something toxic, etc.;  Illness insurance is used if the pet needs treatment for minor and major illnesses, allergies, urinary issues, cancer, etc.;  Wellness coverage covers preventive care, vaccinations, exams, etc.  Some advantages of pet insurance are that you can go to any licensed veterinarian, the insurance company may cover 70-100% of the bill depending on the plan you chose, some employers are offering pet insurance coverage,  you can customize your plan type, deductible, and tiers, and peace of mind to know that you have protection.  Some disadvantages of pet insurance include the fact that wellness or routine visits may not be a part of the plan or may be expensive to add,  you will still have to pay your percentage or copay and if you reach the limit of coverage, you will have to pay all cost thereafter,  pre existing conditions and age will affect the cost of pet insurance, you may pay an upfront cost and wait for reimbursement from the pet insurance company after you submit the claim, and you might be paying for benefits that you never use.
Contact a licensed agent to help you to navigate the different plans to find the one that is best for you.