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Pet Insurance Varieties

Varieties of Pet Insurance

There are different types of pet insurance depending on your needs, as well as what type you have. Each one is geared toward a specific qualification, and thus, you should evaluate what type of issues there may be, as well as things like age and size to determine which pet insurance plan is best for your family.

The two types of plans are:

Full Coverage

A full coverage plan covers virtually all of the medical expenses, whether it be monthly or annual visits to the vet or a medicine that it is required to take. Additionally, the policy allows your pet to be financially covered for extensive surgeries or procedures that it might need.

Who Should Get This Type?

If you have an older pet or one that is frequently ill, a full option can be extremely beneficial for you. It will potentially save you thousands of dollars on medical treatments that you would otherwise have to pay out of pocket. Also, if you have a pet that engages in risky or dangerous behavior often, such as a hunting dog or a horse that is meant for equestrian purposes, you may want to strongly consider this option. Another extremely significant reason that you should invest in a full coverage plan is if you are aware that they must take a specific medication or multiple number of medications for an extended period of time. Like human medication, a prescription without having a policy in place can be very costly.

Standard Coverage

This is the typical type of policy that people opt to get because it offers a lower price. A standard policy allows you to get financial coverage for expenses like veterinary appointments and checkups. However, standard policies do not cover the costs of any type of surgeries or procedures that your pet may have to undergo at any time. Typically, if they do require a surgery, you will get partial coverage and will have to pay a certain amount to cover the costs of the procedure.

Who Should Get This Type?

If you own a pet that is younger or is in good health, a standard coverage plan should be more than sufficient. If they do not require medication or is not engaged in any behavior that may cause severe injury, then we recommend this type of plan for you. One thing you should keep in mind is that as they age, it becomes more vulnerable to sickness and disease, thus, at that point in time you may want to reconsider your options and get a more full coverage on your policy.

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There are many varieties, make sure you know what type you should get. The right policy will save you money.