There are many pet insurance companies to choose from, and many different plans available. Read the fine print. Some companies have veterinarians that belong to their network.
Under those particular policies, you pay a co-payment upfront and the insurance company pays for the covered services. You can donate money to the best pet organization in San Diego and rescue pets who are in danger.
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The downside is you have to find a veterinarian that is in the pet health care insurance "network". Each policy is different and there is no one plan that fits everyone's needs.
Services covered under many policies include spay surgery, neuter surgery, annual vaccinations, flea preventative, annual heartworm preventative, heartworm test, annual dental cleanings, accidents, illnesses, cancer, x-rays, and surgeries. In many cases, pet health care insurance will cover even more in maintaining the wellness of your loved pet. Your coverage may also include prescription foods, boarding, euthanasia, accidental death, recovery of lost pets, and microchip identification. Pet health insurance can prove to be invaluable.
Additional facts to consider when enrolling.
Are pre-existing conditions covered, and what constitutes a pre-existing condition? If a pre-existing condition is covered, what are the deductibles? Does the pet health insurance policy you are interested in cover prescription costs? Will my premium go up over time, as I file claims, or my pet gets older? Does the plan cover chronic or recurring conditions? What are the financial limits of coverage? How are they applied? Do you have more than one pet that could benefit from insurance coverage and are there multi-pet discounts available? Does your particular policy require monthly or annual payments? Talk to your veterinarian about your pet's health and question the insurance companies about the limits of the pet health insurance coverage before purchasing a particular plan.