Cheap Petco Pet Insurance | Petco Insurance | Petco Dog Insurance

It is important that you read the plan carefully to determine what is and is not covered. Policies may include coverage for one or more of the following:
1. Accident coverage

This is the most basic type of pet health insurance. It reimburses you for unexpected accidents and injuries to your pet. This type of coverage typically covers any diagnostics, hospitalizations, lab fees, medications, surgeries and other treatments related to accidents. Covered accidents may include:

Foreign body ingestion
Motor vehicle accident
Poison ingestion
Lacerations
Burns
Bone CloseFractures
Allergic Reactions
Bite Wounds
Stings
Sprains

2. Illness coverage

Pet owners may also want to insure their pets for illnesses. Policies may include coverage for diagnostic procedures, treatment, prescription medication, lab tests, x-rays, surgery and hospitalization for the following illness categories:

Digestive system
Nervous system
Eyes
Ears
Infectious diseases
Cancer

3. Routine Wellness and Preventative Care Coverage

This is an option for pet owners who want more comprehensive insurance coverage, and may or may not be offered by a carrier. A plan with this coverage will insure everyday vet expenses, and may include some of the following benefits:

Routine Screenings
Veterinarian Exams
Behavioral training
Heartworm prevention
Prescription flea control
Spay/neuter
Teeth cleaning
Vaccinations
Preventative Care

4. Additional Benefits

Certain plans may offer additional benefits unrelated to the above categories, such as:

Advertising and Reward Reimbursement
Boarding / Kennel Fees
Loss by theft or straying
Burial or Cremation

Premium

Premiums may be paid on a monthly or annual basis, depending on the provider. The cost of your premium may vary by the age or breed of your pet.
Maximum Limits or Caps

Policies may have one or all of the following limits:

Maximum Incident Benefit/Cap: This is the most you can be reimbursed for one incident.
Maximum Annual Benefit/Cap: This is the most you can be reimbursed in a year.
Maximum Benefit/Cap or Lifetime Limit: This is the total amount you can be reimbursed over the lifetime of your pet.

Deductible

This is the amount you are responsible for before you will be reimbursed for covered services. Deductibles may be annual or per incident.
Reimbursement (Co-insurance)

Providers will either reimburse a percentage of your costs (typically between 60-100%) or use a benefit schedule.

Companies reimbursing by percentage will reimburse you based on usual and customary costs. These are costs that are covered by the plan and considered reasonable in areas similar to yours. For example, a vet may charge you $200 for a service. However, the cost that is considered reasonable for that service in a similar area is only $150. The plan will therefore reimburse you for a percentage of the usual and customary cost of $150 for that service.

Companies reimbursing on a benefit schedule will reimburse you a set amount regardless of cost to you. The company will provide you with information on what conditions and procedures are eligible for coverage, and the amount available for reimbursement for each.
Exclusions

Pet health insurance policies typically exclude coverage for various services or conditions. Remember to carefully read the policy’s coverage details and exclusions to make sure you are getting a policy that fits your needs. Listed below are typical exclusions from pet health insurance policies. This list is not comprehensive.

Pre-existing conditions. Pre-existing conditions are injuries or illnesses that occur before coverage begins. Ask about pre-existing conditions and review the policy to see if they are covered. Pre-existing conditions will either be excluded permanently or temporarily from coverage. Look to see if your pet’s condition is considered curable (stable or controlled pre-existing conditions) or incurable (terminal pre-existing conditions). For pre-existing conditions considered curable, the company may choose to enforce a waiting period before coverage kicks in. Conditions considered incurable such as diabetes or cancer may be excluded entirely or may be covered on a limited basis. A company may also provide coverage for temporary conditions that are proven to have been cured and treatment-free for at least six months.

You should also check to see if hereditary and congenital conditions are considered pre-existing conditions under your policy.

Genetic or hereditary conditions. Most pet insurance companies consider genetic conditions to be pre-existing and do not cover them. Genetic or hereditary conditions are disorders or diseases that are inherited or to which your pet is predisposed.
Elective procedures/cosmetic surgeries. Policies typically do not cover elective (non-medically necessary) procedures and cosmetic surgeries (such as tail docking, ear cropping, and dew claw removal). However, cosmetic surgeries will be covered if they are medically necessary.

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