Pet Owners and Veterinary Insurance Coverage

Pet insurance is an insurance policy that can reimburse pet owners for a portion of their pet’s eligible vet costs. Most Pet insurance plans allow you to choose your reimbursement level and deductible amount. If your dog or cat is ill or injured, after paying your veterinarian directly, you file a claim to be reimbursed by your pet insurer. 

If you’re unsure how you could afford expensive vet costs, pet insurance can prove to be critically important. Treatment for serious illnesses can be a financial burden without a pet insurance plan in place. Depending on the insurance agency and the coverage options you purchase, pet insurance could cover the following:

Some plans could even offer pet owners optional Wellness Rewards such as Wellness Exams, Spay or Neuter Surgery, Training, Grooming, Vaccines & Preventatives & a lot more! These are often excluded by most plans, but some offer them at an additional cost.

When pet owners are shopping around different pet insurance companies, it is important to be aware of what type of coverage is needed, and what isn’t typically covered. However, just because pet insurance companies don’t normally cover something with their basic policy doesn’t mean you can’t purchase optional coverage. Some things that aren’t normally covered by pet insurance include:

• – Preventive Care: Routine check-ups, vaccinations, dental cleanings, and other preventive care services. Preventive care can sometimes be purchased as an addition to some policies.
• – Pre Existing Conditions: Conditions that were diagnosed or treated before the policy was purchased. This might not include hereditary conditions, so be sure to check your coverage options.
• – Experimental Treatments: Treatments that are not widely accepted or approved by the veterinary medical community.
• – Cosmetic Procedures: Procedures that are solely for aesthetic purposes, such as tail docking or ear cropping, since these carry no health benefits.
• – Behavioral Issues: Costs associated with training or behavioral therapy.
• – Breeder Fees: Costs associated with purchasing a pet.

As pet owners decide what type of coverage options they need, there are a lot of important factors to consider beyond just what is or is not covered. It is important to also take into account:

• – Coverage Limits: Understand the maximum amount that the insurance will pay per year or per incident.
• – Deductibles: Determine the amount you’ll need to pay out-of-pocket before your insurance coverage kicks in and what you can afford.
• – Reimbursement: Know the percentage of veterinary expenses that the insurance will cover.
• – Waiting Periods: Be aware of any waiting periods before coverage starts for certain conditions or accidents.
• – Exclusions: Familiarize yourself with any conditions or procedures that are not covered by the policy.
• – Insurance Agency Reputation: Research the financial stability and customer service of different insurance companies. It’s important to work with a trusted and reliable insurance agency when your pet’s health is on the line.

At Ashland Insurance, we offer pet insurance coverage with Safeco Insurance Co through the Hartville Pet Insurance Program.

Safeco Insurance® introduces pet owners to affordable pet insurance plan options that cover emergency services, plus options for preventive care benefits for just a little more per month. The Hartville Pet Insurance Program manages the plans, from care to servicing to claims.

Program Details For Pet Owners

You’ll be able to choose from a range of different annual limits, deductibles, and reimbursement percentages. Pet owners also have the freedom to choose any licensed veterinarian, specialist, or emergency clinic. And there’s no waiting period for Preventive Care coverage if you’ve added it to your plan.

As long as your dog or cat is at least eight weeks old, your pet is eligible to be enrolled in the Hartville Pet Insurance Program, whether or not you are a Safeco policyholder. The policies under the Program cover a wide variety of medical expenses, including:

The optional preventive care add-on covers benefits including:

Coverage For Pets and Pet Owners

Safeco customers in most states qualify for a discounted rate². Pet health insurance is available countrywide.

Pet Insurance is a small price to pay for the unconditional love and confidence that pet owners receive from their pets. Give us a call today to get a policy that’s right for you and your pet.

You can contact us to review your policy, get a new quote or discuss available discounts by calling us at 541-482-0831, or request a quote online.