Pet insurance is a great way to provide for your pet! It can give you peace of mind by allowing you to approve any services needed for the best care of your pet.
How It Works
Pet insurance works a little differently than insurance for ourselves. While some companies have the option of being contracted with clinics to pay directly, Armstrong Pet Hospital is not set up for direct payments. Rather, at the end of your visit, you are expected to pay everything at time services are rendered. Once you send in a copy of the receipt, and possibly doctor’s notes, your insurance company will reimburse you a certain percentage of the visit. The percentage varies depending on the company and the plan of your choice. Also, be aware that most policies have a pre-existing clause: This means insurance coverage must be established prior to your visit in order for that visit to be covered. For example, if your pet is being seen for an orthopedic consultation that includes x-rays, your insurance would need to be finalized first if you want the consultation covered.
What to Consider When Choosing You Plan
Firstly, the sooner you start your insurance coverage, the better. Accidents can happen at any age so it would be best to apply for insurance while your pet is still a puppy or kitten. Secondly, each plan covers different expenses. Some purebreds are predisposed for specific conditions; so if your pet is likely to have breed related issues, it would be wise to select a plan that covers specific procedures or treatments of certain conditions. On the flip side, if you don’t anticipate breed related conditions to manifest, selecting an insurance plan that will cover the basics -i.e vaccinations, routine exams and blood work-would be the way to go.
What Companies Are Out There?
There are several insurance companies available. Some companies that we see often from our clients that are easy to work with are:
Even though these companies are used often, they may not have a plan that works for you. Be sure to research multiple companies and assess the plans they offer to determine which would be the best fit.