Your pet is an important member of your family. Like other family members, pets may require emergency medical attention for unexpected injuries or illnesses. As veterinary care becomes more sophisticated, the cost of medical treatment increases. This is especially true if a veterinary visit results in surgery or emergency testing. Pet insurance can help ease the financial burden if your pet requires urgent medical attention.

We’re here to help you find the best insurance policy for your pet. Contact Abbott Insurance Agency LLC in Minneapolis, Minnesota, to learn more about our coverage solutions.

What Is Pet Insurance?

Pet insurance is similar to health insurance for humans. Your pet insurance policy will reimburse you for covered medical expenses in exchange for your monthly premiums. Individual policies may vary, and you may have to pay a deductible upfront before your pet insurance kicks in. Copays and caps also exist, so read your insurance policy carefully to ensure you understand what’s covered.

Is Pet Insurance Worth it?

When deciding whether to purchase a pet insurance policy, it can be helpful to consider your pet’s specific needs. Pet insurance can cover many types of animals, from cats and dogs to more exotic pets, such as rabbits, ferrets, potbelly pigs and birds. Depending on your pet and their needs, a pet insurance policy could save you money in the long run. It can also prevent you from making a difficult decision if veterinary care for an unexpected injury or illness is more costly than you can afford.

There are three common types of coverage that could be right for your pet:

·       Basic coverage can help pay for accidental injuries, illnesses and poisonings. It is typically the least expensive, with the lowest reimbursement for claims.

·       Comprehensive coverage can help pay for injuries, illnesses, poisonings, vet visits, diagnostic tests, prescription drugs and more. It is often more expensive than basic coverage but provides greater reimbursements.

·       Pet well care protection can help pay for preventive care (e.g., physical exams, vaccinations). There is usually no deductible for preventive care, but there may be one for medical expenses.

Do I Need Pet Insurance?

Pet insurance is not required, but it may provide peace of mind. Consider that four out of five pets will have an unexpected emergency in their lifetime. You may also want to think about how much you’re willing to pay out of pocket in an emergency situation.

We’re here to help. Contact Abbott Insurance Agency today to learn more about our coverage offerings and to speak to an insurance agent.

How Much Does Pet Insurance Cost?

Like your human health insurance policy, the price of your pet insurance will depend on several factors. Your pet’s age, species and breed will likely be considered when determining the cost of your monthly premiums—as will any pre-existing medical conditions. In some cases, pets deemed “high risk” may not be eligible for pet insurance.

Finding Pet Insurance

At Abbott Insurance Agency we understand that your pet’s health is your top priority. Contact us today to learn more about the pet insurance we provide.