Pet Insurance Explained

As the amount of money spent on pet healthcare increases steadily at an estimated rate of 40% a year, and as pets become more like family, owners are looking to spend more on their pet's health. Pet owners also want to have their pets covered by insurance.

Some basic plans start at $10 a month, while more extravagant plans cost upward of $400 a month. Since no two pet insurance plans are exactly the same, you should research each policy before making a choice that best fits your needs. The following questions are important to keep in mind when determining if pet insurance is worth the expense:

What's covered? Look over several plans from different companies before making a provider selection. Make sure the plan you choose defines clearly what is and what is not covered. For some pet owners, pet insurance is a safeguard for future catastrophes, such as sudden accidents or the emergence of a serious illness. For others, the coverage they choose applies to every vet visit, including checkups.

What's not covered? There is more to picking insurance plans then finding out what is covered by insurance. You need to also know what is not covered so you can compare plans to one another and so you are prepared when your pet needs a test or procedure that is not covered.

Are hereditary illnesses and conditions covered? If you own a purebred animal, they may be prone to a breed specific condition. For example, German Shepard's are likely to develop hip dysphasia, and Labrador's are often inflicted with eye problems.

What's the deductible? Is there a co-pay? Be sure to understand what you are expected to pay for and exactly how much. You don't want to pick an insurance that covers little if anything.

What (if any) is the age limit for a pet to be covered? The best time to purchase pet insurance is when your pet is just a puppy. As pets get older they require more care, especially later in their lives, and the premium goes through the roof or coverage no longer exists.

So who is pet insurance for? Pet insurance is best suited for pets that are young and healthy. Pet insurance is also a good investment if you:

  • Have multiple pets
  • Take in stray animals to help shelters
  • Breed dogs
  • Take your pet with you on vacation

The otherwise healthy dog. Many dogs can live long accident free lives today, but no owner can guarantee their canine companion will never have an accident such as eating a sock, swallowing a rock, or even getting hit by a car in the driveway.

How most insurances work: Unlike human health insurance, most pet insurance companies require you to pay the entire veterinarian bill at the time of service. You as the owner are then responsible to turn over itemized bills or invoices from us, your veterinarian, to the pet insurance company for reimbursement of qualified costs.

The best way to find the right pet insurance for you and your family should start with researching some reputable pet insurance companies. Ask for detailed plan information and price quotes.

Remember, pet insurance is not a necessity, and if you choose not to get insurance for your pet you are still a great pet parent!

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Monday:

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Tuesday:

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6:00 pm

Wednesday:

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Thursday:

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Friday:

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Testimonials

Read What Our Clients Say

  • "Our furry family has been cared for by the Mann Clinic since 1980. From routine annual exams to life saving surgeries, Dr Angelos and his team have always been there, through good and difficult times. Their care is thorough and conscientious. They patiently answer my questions, guide important decisions, give advice and do it all with calmness and compassion."
    Megan Walsh - Sanford, ME
  • "Our family has been using Mann Clinic for our pet care for over 25 years. We generally see Dr. Angelos, but we have been very happy with all of the veterinarians and services provided. We have dealt with various health issues with our large pet family, and rely on, and trust the advice, and care of the veterinarians there. The staff is always helpful and courteous."
    Lisa and Gerry A. Lyman, Maine
  • "Dr Christ Angelos and his staff at Mann Memorial Clinic have been attending to the needs of my pets for over 15 years. I find the staff to be excellent providers of care and both routine and serious medical intervention for our pets. They are professional, accommodating, compassionate and extremely knowledgeable. I highly recommend this clinic and continue to be thankful for their wonderful care of my pets."
    Julia Burns Riley
  • "Every single person I met that day - the doctors, nurses and staff were so gentle and so kind. They let me show my grief without making me feel like I was so foolish for caring so much. Again - THANK YOU for the tears and hugs and for understanding."
    The Boyce Family