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Insurdinary Makes Your Pet’s Vet Care Affordable

Cats, dogs, and other companion animals are more than possessions. They’re our companions through everything life throws at us. Animals require healthcare just like humans do, and it’s important to plan for their care needs, especially as they age. Hip dysplasia, kidney disease, diabetes, and other health issues can be expensive for any pet owner to deal with.

One survey by communication software firm Weave Inc. found that out of 532 millennials, nearly one in five would give up their job before giving up their pet. In the same survey, 86% of respondents responded that they would risk their own life to save their pet.
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How Pet Insurance Works

As much as it feels like they are, pets aren’t people. From a legal standpoint, this means that pet insurance has more in common with homeowner’s insurance than it does with health insurance.

While some pet insurance companies allow pre-approval of claims, in most cases you will pay the veterinarian upfront for your pet’s procedure. The next step is submitting the claim to your pet insurance company. The provider will then reimburse you for a percentage of covered expenses after you meet your deductible.

Because pet insurance works this way, and because vets don’t automatically report procedures to insurance companies for reimbursement the way human hospitals do, you should save receipts for your vet visits, prescriptions, and other veterinary care. The more documentation you can provide with your claim, the better.

3 Easy Steps to Pet Insurance Coverage

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1. Find a Plan

Tell us a bit about your demographics and your pet, and we’ll provide a list of options that fit your requirements.
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2. Choose Your Pet’s Coverage

Look at all your pet insurance options together and find out what types of coverage are available for your pet.
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3. Get Your Custom Quote

Once you’ve found the right coverage, we will provide you with different policy options that can help you find out how your premiums change when you change your coverage options.

What Does Pet Insurance Cover?

A pet insurance policy may be the solution you need to protect your furry, feathered, or scaly friend and ensure their health. Depending on the type and level of coverage you get, pet insurance may cover:
  • Accidents and injuries
  • Hereditary health conditions
  • Transmissible diseases such as upper respiratory infections
  • Treatment for chronic illnesses
  • Emergency surgical procedures
  • Routine veterinary care such as vaccines and checkups
  • Prescription pet food and supplements
While pet insurance won’t usually cover 100% of your pet’s medical costs in an emergency, one 2020 study in Animals showed that cost of care was one of the deciding factors for dog owners who made decisions about veterinary treatment in the United States. A pet insurance policy is one of the most effective ways to save on emergency vet costs. When selecting pet insurance, it pays to make your purchase early. Most pet insurance policies don’t cover pre-existing conditions, meaning that if you buy one for your cat who you know is diabetic, you’ll still be on the hook for that cat’s medication. If you buy the same policy before your cat gets sick, you will spend significantly less on vet bills later.
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Who Really Needs
Pet Insurance?

The short answer to this question is that if you own a pet, pet insurance will almost certainly be worth it in the long run. Pet ownership is a lifetime commitment, and having a pet can mean making difficult financial choices. A pet insurance policy can help you plan for these unexpected decisions.

The older your pets get, the more likely they are to need advanced care as well. Buying a pet insurance policy early in their lives can help you lock in a lower premium and save you even more money. Here are four of the ways that pet insurance can benefit pet parents.

Spread large payments out over time

If you're working with a tight budget, you probably won’t factor the cost of going to the vet every few months into it. Many pet insurance plans allow you to make monthly, quarterly, or even annual premium payments so you can choose a plan that suits your needs and your budget.

If you choose to get pet insurance to make your budgeting process simpler, you should get insurance coverage as soon as possible. Most pet insurance plans exclude pre-existing conditions, and some exclude breed-specific conditions such as hip dysplasia in golden retrievers. It helps to know the details of a plan before you make your purchase.

Cover expensive emergency vet visits

When your pet needs emergency care on a holiday or in the middle of the night, that care shouldn’t have to wait. Veterinary care during the off hours comes at a price premium, however.

Even a short visit to an emergency vet can cost upwards of $500. If your pet has a complex issue or needs specialized tests or imaging, this cost can skyrocket to $5,000 or even more.

Thankfully, most pet insurance plans will reimburse you for visits to any licensed veterinarian, including an emergency clinic.

Avoid long-term debt from unexpected vet bills

Ignoring a small issue now or waiting to see whether it resolves on its own can cause more severe medical problems down the line.

Paying for these procedures with a credit card or a short-term loan can lead to long-term financial problems. The interest on these debts can be sky-high, and it only compounds with time.

With pet insurance coverage, you can cover these sudden expenses without causing long-term damage to your finances.

Manage the cost of preliminary tests

It’s much easier to give the “green light” for diagnostic X-rays or blood tests for your furry friend if you know how you're going to pay for that care service.

If your pet has a urinary tract infection, for instance, pet insurance may make the difference between getting the right antibiotic and letting your pet suffer through ineffective treatment.
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How to Choose Pet Insurance

There are three primary types of pet insurance coverage. Not all providers offer each of these coverage types, so it’s important to know the difference between them when you do your research.

  • A comprehensive plan gives your pet the most coverage. These plans cover a large percentage of the costs for accidents and injuries as well as most illnesses.
  • Accident-only coverage, also called basic coverage, doesn’t reimburse you for treatments for chronic diseases but does cover accident-related injuries. Each plan has its own list of exclusions, so it’s important to be familiar with what’s covered.
  • Wellness coverage is a common add-on to pet insurance policies. You can get reimbursement for preventative procedures, and possibly even surgeries such as spaying or neutering your pet.

Some veterinarians also offer in-house wellness plans that work a lot like a pet insurance policy. These plans often include vaccinations, routine checkups, and cleaning your pet’s teeth. Unlike with pet insurance, however, you cannot use these plans to shop around at different vet offices.

The Benefits of Each Type of Pet Insurance

Before you buy pet insurance, you have to know the kind of care your pet will need. Keep in mind that many pet insurance policies have a 30-day waiting period before they will cover many procedures, so the sooner you buy a policy, the better.

Comprehensive Care

As its name suggests, comprehensive care is the highest level of insurance coverage you can get for your pet.

If you want to pay lower premiums, you can choose a pet insurance plan that has a higher deductible. Or you can pay more every month for a plan with a lower deductible. With Insurdinary, you can choose from a wide variety of plans.

Accident-Only Coverage

If your pet is mostly healthy but you still want to budget for the worst, accident-only coverage may be the best solution for you.

This type of pet insurance will help reduce your costs if your pet is suddenly injured, or experiences a choking hazard, bug bite or allergic reaction.

Wellness Coverage

Wellness coverage includes routine veterinary care such as vaccinations and checkups. This can help you spread the cost of preventative care across a whole year instead of paying in one lump sum.

If you know that your pet will need a preventative procedure like a dental cleaning in the next year, wellness coverage can be a great add-on to your pet insurance coverage.

4 Reasons Pet Insurance
is a Good Idea

If your boxer swallows a squeaky toy, pet insurance can make a huge difference in the level of care that you’re able to provide. Insurdinary can provide you with policy options to help match you with a pet insurance plan that meets your pet's needs. This way, an emergency doesn't cost you thousands of dollars.

Between comprehensive plans and accident-only coverage, which we'll explain in detail below, you have a lot of options for pet insurance. Here are a few of the reasons this coverage can be a worthwhile investment.
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Budget for your pet’s care ahead of time.

You pay a fixed monthly premium instead of shelling out thousands of dollars for unexpected vet visits or emergency surgeries.

Have peace of mind as your pet ages.

Chronic illness doesn’t exclude pets, and the older an animal gets, the more likely that animal is to develop these illnesses. Getting pet insurance now can make a huge difference in your pet’s level of care later.

Authorize more comprehensive care for your pet.

Pet insurance allows pet owners to seek out more thorough treatment for issues such as arthritis or cancer. Moreover, with pet insurance you can take your pet to a specialist.

Enhance the quality of your pet’s life.

With many health conditions, early intervention can be critical. Having pet insurance allows you to treat potential health issues early without worrying about the cost.

Customize Your
Pet Insurance Coverage

When shopping for pet insurance, you have many options. From choosing your provider to customizing your coverage, you can tailor the plan to suit your and your pet's needs.

The process can be confusing, so we've explained several factors that affect the cost of pet insurance. With these in mind, you can choose and customize an affordable plan for your pet.

How to calculate pet insurance costs?

A lot of factors go into calculating the cost of pet insurance. It isn’t just the premiums, either: insurance providers make careful calculations based on the information you provide.

When you decide whether you want to buy a pet insurance policy, ask your veterinarian how much it would cost if your pet needed to stay at the vet office overnight. Ask about the cost of X-rays, emergency surgery, or specialty imaging as well. Are you prepared to be on the hook for 100% of that cost?

Take a look at that number, and add up the monthly premiums and maximum out-of-pocket expense of the plan you’re looking at. Which number is larger? Consider that annual expense applied across your pet’s whole lifetime.

What doesn’t pet insurance cover?

Pet insurance doesn’t cover everything. While every plan is unique, there are very few pet insurance policies that cover:
  • Pre-existing conditions
  • Experimental treatments
  • Travel costs associated with specialty clinics
  • Elective and cosmetic procedures
  • Accidents caused by the owner’s cruelty or neglect
  • DNA breed testing

Explaining pet insurance deductibles

The deductible on a pet insurance policy works a lot like the one you have for your own health insurance.

Pet insurance deductibles reset every year, and your insurer will reimburse you for a percentage of covered costs after you reach that point. Usually, the covered amount is between 70% and 90% of the cost of a covered procedure.

A high-deductible plan usually has lower premiums. A plan with a low deductible will generally cost you more per month. However, if you anticipate that your pet will need a costly procedure, a low-deductible insurance plan will likely save you money.

Factors that may impact the cost of pet insurance

A lot of factors can change what you pay for your pet insurance. Every provider calculates costs differently, considering things like:
  • Your pet’s breed, age, and size
  • The type of pet you’re insuring
  • Your location
  • The coverage level and deductible you have chosen
  • The plan’s annual out-of-pocket limit

Ways to keep the cost of pet insurance down

The most effective way to save money on pet insurance is to comparison shop for coverage through Insurdinary. A few other tips and tricks include:
  • Buy a plan early in your pet’s life. Getting coverage early means paying a lower premium and avoiding pre-existing condition exclusions.
  • Ask your vet about wellness coverage. Many veterinarians offer payment plans for wellness care, including checkups, vaccines, and even dental cleanings.
  • Keep up with your pet’s preventative care. Cats and dogs need annual checkups. Many local laws may require certain vaccinations as well. Taking your pet to the vet to diagnose issues early can save you heartache down the line.

Why Choose Insurdinary for Your Pet Insurance Quotes?

Choosing a pet insurance policy may seem daunting at first, but you don’t have to do it alone. Insurdinary does the heavy lifting for you, letting you evaluate several plans and compare them so you can get the coverage your pet needs.
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Insurdinary compiles a wide selection of pet insurance options, letting you look at them side-by-side. This means that actually making your choice of plan is simple.
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Secure the Lowest Premiums

Whether you want to save money on premiums or pay a little more per month for a lower deductible, you’ll find the plan you’re looking for.
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Sign Up Quickly and Easily

With Insurdinary, you can apply for pet insurance online instead of dealing with a mountain of paperwork. We don’t charge a fee for our services, either!

Get the Right Coverage for Your Pet

Finding a pet insurance plan is a straightforward process. Making sure that this plan meets your needs and that you aren’t overpaying for benefits you don’t need is a far more difficult process. Beyond that, the healthcare needs of a newly adopted kitten are going to be vastly different than those of a geriatric Lhasa Apso.

That’s where Insurdinary comes in. We simplify the vast array of pet insurance options out there, letting you make a choice based on your priorities. By comparing pet insurance quotes on Insurdinary, you can choose plans based on the premium or deductible if cost is a factor. We help you choose coverage and benefits including:

  • Emergency vet visits
  • Diagnostic tests and imaging
  • Surgery
  • Medications
  • Some preventative care treatments

If your pet is a breed known for health issues, you may want to choose based on maximum out-of-pocket expense instead.

No matter where your priorities lie, we can help you find a pet insurance plan tailored to these priorities. Getting a plan will give you peace of mind with whatever lies ahead for both you and your best friend.

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Pet Insurance
Frequently Asked Questions (FAQ)

With the abundance of pet insurance options out there, it’s easy to find a plan. However, finding the right coverage for your pet’s health and your budget takes a little more work. That’s why we’ve answered some of the most frequently asked questions about pet insurance here.

How do I know that I’ve found the right pet insurance?

Look for coverage in the “Goldilocks zone,” where you aren’t overpaying for pet insurance or missing out on your pet’s needed medical care. Try to strike a balance between:

  1. Enough coverage to give you peace of mind if the worst happens
  2. Affordable premiums, deductibles, and out-of-pocket maximums

Thankfully, Insurdinary makes it easy to compare pet insurance options from different providers side-by-side. It’s the easiest way for pet parents to find the best coverage for their companions.

What does pet insurance cover?

Every pet insurance policy is unique, so before you buy a plan, pay attention to the kind of care it covers. Most cover emergency care, accidents, and some treatments for illnesses. Some providers offer coverage for preventative care, and most have a list of exclusions for pre-existing conditions your pet may have.

How can I save money on my pet insurance?

The best way to save money on pet insurance is to ensure that you have done your research on your pet. The more you know about the possibility of breed related issues down the line, the better you can calculate what those fees will cost you should the situation ever arise that your friend needs treatment. Other tips for reducing the amount you pay include:
  1. Insure your pet early. This helps you avoid exclusion lists and keeps your premiums low.
  2. Mix and match with wellness coverage from your vet. You may pay less for pet insurance if you do.
  3. Anticipate your pet’s health needs. Does the breed have known health issues? Talk to your vet about what to expect as your pet gets older.

How long does it take to get a pet insurance quote from Insurdinary?

By filling out our quick questionnaire, you can get pet insurance quotes in only a few minutes. Put your energy into making the decision, not hunting for pet insurance quotes.
The easiest way to get affordable pet insurance policies that cover all your vet bills is to get your personalized quote through Insurdinary. By comparing quotes, you can customize your pet’s coverage.
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