Pet Insurance and Dog Theft: What You Need to Know!

If you ever wonder whether or not you need pet insurance or if it can help combat pet theft…

Understanding Pet Insurance

Simply put, pet Insurance is health insurance for your dog. The core benefit is to help reduce the costst of vet bills in the event your pet gets sick. There are many providers to choose from and some are better than others. For example, some plans only cover accidents, while others cover the cost of injury and the various degrees of illness companion animals encounter with age. Many providers break subscription plan coverage into various wellness plans that include routine check-ups and vaccinations.

The overall goal is to lower the cost of huge vet bills. Nevertheless, be ware of those that are reimbursement only as you will be required to pay upfront for these costs and hopefully get reimbursed later.

What Does Pet Insurance Cover?

Most pet insurance plans help pay for vet bills when your dog gets sick or hurt; including surgeries, medications, and emergency care. If your dog has an accident, like breaking a bone or swallowing something they shouldn’t, pet insurance can cover the treatment costs.. duh.

Emergency care is the big what, if and when. If your dog needs to go to the animal hospital suddenly, insurance can help reduce of cover these high costs entirely. Some plans even cover alternative therapies, like acupuncture or physical therapy. Common sense is to first read over whichever policy you select so you can know exactly what’s covered.

What Does Pet Insurance Not Cover?

Most pet insurance plans don’t cover pre-existing conditions. That means if your dog had a health problem before you got the insurance, it probably won’t be covered.

Routine care, like grooming or teeth cleaning, isn’t usually covered either as these are considered regular maintenance costs that you will need to pay yourself. Most insurance providers will not cover elective procedures, like ear cropping or declawing as these types of procedures are not necessary… medically.

Beware of waiting periods.

Many pet insurance plans have a waiting period before coverage kicks in, so you can’t use it right away. Preventive care such as vaccinations and flea treatments are also often not covered unless you get a special wellness plan.

Knowing what’s not covered helps you avoid surprises when you file a claim. It’s always a good idea to read the fine print and ask your insurance provider if you have any questions.

Does Pet Insurance Cover Theft?

The short answer depends on your policy. Some pet insurance plans do offer coverage for theft, but not all of them. If this is something you’re worried about, you will need to check the details of any policy you’re considering so read the fine print and understand exactly what your policy covers. Don’t assume pet theft will be covered.

The leading cause of pet death is pet theft!

Some insurers offer pet theft it as an add-on, so you might have to pay a little extra for that peace of mind. Either-way, the money you receive will not replace your best friend.

Does Pet Insurance Cover for Loss and Theft?

If your dog goes missing, some policies will cover the costs of searching for them. This can include printing flyers, posting ads, and offering rewards. The goal is to help you get your dog back as quickly as possible. If your dog is never found, some policies may even pay you a lump sum to help cope with the loss.

Just like with theft coverage, you need to be sure that your policy includes loss protection if this is something you want. It’s all about finding the right plan that fits your needs. Make sure you understand the terms and conditions, so you know what to expect if you ever need to use this part of your coverage.

Do Your homework.

Research different insurance providers and compare their policies. Look for plans that specifically mention theft and loss coverage.

Next, read the fine print. Understand the terms and conditions of each policy. Check if there are any exclusions or limits on the coverage for theft or loss. Some plans might have a cap on how much they’ll pay out for these situations. Theft coverage might be an add-on, which means an extra fee. Make sure the extra cost fits within your budget. It’s worth paying a bit more for peace of mind, but you don’t want to break the bank.

Also, consider the claim process. You will want an insurance provider that makes the process smooth and hassle-free, especially during a stressful time like when your pet is missing.

Peeva makes this easy for the millions of pet owners that rely on us by partnering with Lemonade!