Why choose pet Insurance for your furry friend?
In the world of vet medicine, things have taken a giant leap forward! We can now spot and treat stuff that used to be un-imaginable. But with all those advances comes a price tag! Fear not, the Kibbles crew is here to guide you through pet insurance and help you choose the perfect policy for your four-legged buddy.
Is pet insurance a good idea for me?
With a tonne of pet insurance options out there, picking the best one can feel like finding a needle in a haystack. A good pet insurance plan usually covers those unexpected vet visits for accidents and illnesses. Just like any other insurance, you’ll be paying a premium, monthly or yearly. Watch out for excess fees and a list of “no-no’s” that your policy won’t cover. The trick is figuring out what you need and making sure it fits your budget!
What’s usually covered?
While every policy is a bit different, most will cover:
- Accidents and emergencies (yikes!)
- Illnesses (just a heads up, illness coverage usually kicks in two weeks after you sign up—unless it’s an accident, then it’s game on!)
Plus, some companies throw in extras like public liability, boarding fees, accidental damage, and even travel plans
What’s typically not covered?
Most insurers won’t cover preventative stuff, which means you’ll be paying out of your pocket for:
- Vaccinations
- Microchipping
- Flea and worm treatments
- Neutering
- Dental work
Some companies might offer discounts on routine care like vaccinations, but be prepared: pre-existing conditions are generally a no-go.
Questions to ask when picking pet insurance
- Short-term coverage: Some policies only cover conditions for a limited time—like a 12-months after the issue pops up, or they might end when the policy year does.
- Lifetime coverage: These policies cover your pet’s entire life, covering ongoing illnesses! (check the small print though, some conditions have limits), covering ongoing illnesses! Just keep in mind you might need to pay an excess for each condition every year to keep the protection going. This is a lifesaver for chronic conditions like diabetes or heart disease.
At Kibbles Veterinary, we think it’s a great idea to insure your pet the moment you welcome them into your home. We’re here to help you find the perfect insurance company and policy, so don’t hesitate to ask!
How to claim on your pet insurance?
Starting a claim can feel a little overwhelming, but the Kibbles team has whipped up a simple guide to make it a breeze:
- Share your insurance info with us, or better yet, hand over a completed claim form. We’ll handle the rest!
- Give your insurance provider a heads-up that you’re submitting a claim.
- Keep an eye out for any requests for extra info, because either we or the insurance company might need a little more to get your claim moving.
Got questions? Whether you’re a first-time claimer or we’re taking our time, just give us a shout! We’re always here to lend a hand!
