70% of US households in the US own pets. These pet owners spent a whopping $123.6 billion on pet expenditures on their pets.
Beyond the best bed and toys, a vital necessity for your pet involves their health care. Insurance for pets is one way to ensure your furry friend gets care when they need it, especially if something comes up unexpectedly.
Pet insurance in NJ is essential to ensure your pet has a healthy, long life. However, like purchasing health insurance for a human, there are many factors to consider before making a decision. Read on to learn more about what you should consider when buying insurance for your pet.
1. Consider Deductibles
When you consider pet insurance and compare brands, one of the first things you’ll want to look at is the deductible.
Pet insurance brands can vary greatly in the amount you pay toward the deductible per visit. Many brands also offer options for the deductible amount. Then, they base the monthly premium rate on how high or low a deductible you select.
You can expect most deductible options to start around $100 per vet visit and go up to as high as $1,000 to $2,500 per visit.
2. Reimbursement
Another important consideration is the reimbursement amount. This is the maximum amount you get reimbursed for your visit.
Like the deductible amount, the reimbursement amount varies based on the plan.
So, you’ll want to ask what the plan will reimburse you for. Most plans will reimburse for things like:
- Accidents
- Illnesses
- Chronic conditions
- Vaccinations and dental cleanings
Some plans will offer coverage for dental cleanings, which is crucial for keeping your dogs’ and cats’ teeth clean and healthy.
There are a variety of wellness plans by Pet Assure which offer different levels of reimbursement depending on the plan you choose.
3. Annual Limits
As you search for the best pet insurance for your furry family member, another consideration is the annual limit amounts the pet insurance will cover over a calendar year.
Most plans come with annual limits, meaning they will only provide reimbursement coverage up to a certain amount each year.
In most cases, the deductible, reimbursement amounts, and annual limits are connected. Generally speaking, the lower the deductible and percentage for reimbursement is, the lower the annual limit.
4. Wellness Add Ons
As you consider pet insurance for dogs, cats, and other beloved pets, you should know that not all plans include wellness coverage. You want to find a pet insurance plan that provides for wellness visits.
That way, when your pet visits the vet for healthy check-ups and vaccinations, the visit will be covered. You should know that you’ll have to ask for wellness coverage. In most cases, it’s an add-on insurance, not one that is automatically part of a pet insurance plan.
Find the Best Pet Insurance in NJ for Beloved Pets
Pet insurance in NJ provides plans to meet your budget needs and your pet’s health care needs at the same time. Consider a plan like Pet Assure that gives you options, so you can select the plan that’s best for your pet.
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