Your pets are your family members, and any illness or hurt they face could be difficult for everyone. Pet insurance covers substantial medical costs, significantly reducing your financial burden.
Here’s a simple explanation of how insurance works:
Visit the vet with your dog
Consult any authorised veterinarian, urgent care facility, or specialist.
Claim submission
After paying your vet, submit a claim to us, the invoice from the appointment, and the vet’s records.
Get money reimbursed fast
If there is any information missing, the insurer will contact your veterinarian. The majority of claims are handled in less than two weeks.*
In exchange for a monthly charge, policyholders may be paid for specific medical costs, such as:
- Unexpected mishaps, such as a shattered bone or a foreign object ingested
- Unexpected ailments, such as parasites, dental conditions, and viral infections
- Medicine Surgery Lab work, including X-rays and blood tests, among other things
- Emergencies tests
- Boarding hospitals, alternative treatments
Pet insurance for dogs can allow you to provide the care that your furry family members require without worrying as much about unforeseen costs.
The Process:
Insurance companies have made the claims submission and payment processes quick and simple. Send in your veterinary records, and you may be reimbursed if your claim is approved.
How does reimbursement for pet insurance work?
We process covered claims in 10 days.
Direct deposit or mailed checks can deliver your funds. Your deductible, reimbursement rate, and reimbursement cap may cover 100% of approved charges.*
What is a ‘reimbursement rate’?
The percentage of money your insurance will send you to pay for your pet’s medical costs is known as the reimbursement rate.
How does a pet insurance deductible work?
The deductible is the portion of your vet bill before your pet cover reimburses you.
You’ll have to put more money out of your pocket before receiving a reimbursement if your deductible is higher. High-deductible plans typically feature cost-effective premiums as a trade-off.*
What exactly is a ‘premium’?
The sum you pay for your pet insurance coverage is a premium or rate. Premiums may be paid annually or monthly. For many people, making smaller monthly payments can be more manageable.
The deductible, reimbursement percentage, and annual limits you select will all affect the policy’s premium. *
Your pet’s breed, age, and location can also have an impact.
What exactly are ‘limits’?
When selecting your policy, you should be mindful of the following two types of limits:
Annual reimbursements are capped, meaning the policy limits your yearly payout. Once you’ve reached your limit, you’ll have to pay for your expenses until it’s reset. Some plans include unlimited annual maximums, so you don’t have to worry about surpassing your pet’s quota.*
Per-incident limits restrict compensation amount for one accident or illness. Dog health insurance may cover its urgent examination, lab tests, and surgery if it ingests a harmful drug. After receiving maximum event compensation, your insurance plan may not cover more event-related charges. Resetting the per-incident limit would need a new claim.*
Annual and incidental restrictions vary by plan. Always consider your pet’s medical needs. Older pets, who need more exams, may benefit from dog health insurance with higher limits.*
Why Get Pet Insurance?
If you have young pets, it can be easy to feel that pet insurance for dogs can be a wise investment. Yet, much like with other insurance policies like car or health insurance, it may be preferable to obtain pet insurance than to find yourself in problems that need it.
Every year, pets need emergency care at vets, yet sadly, many pet owners encounter financial hardship when providing for their animals’ needs. A quick approach to keeping you happy and covered for unforeseen veterinary costs is through insurance.
*Standard T&C Apply
‘Insurance is the subject matter of solicitation.’ For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘
