In 2018, many pet insurance companies started offering new pet-insurance plans that included a “pet insurance” component.
In some cases, pet insurance was added as a “deductible” or “premium” plan to the price of the policy.
But that didn’t always work out.
Here are the things you need to know about pet insurance in 2018.
Pet insurance claims are now a thing?
According to a 2017 study by the National Pet Insurance Association (NPIA), more than 75 percent of pet owners in the United States have purchased a pet insurance policy in the last 12 months.
So what’s new about pet-insured policies in 2018?
Pet insurance companies are now accepting applications online.
The NPIA also recommends that pet owners who have a pet in their home report the pet to their insurance provider.
If the insurer determines the policy is in good standing, the pet owner can enroll in the pet insurance plan and continue to pay for the pet’s care and vaccinations, as well as the veterinary bills.
However, the NPIA says that many pet owners may not be able to do this.
In 2018 NPIA states that, “many pet owners are not comfortable with the upfront costs of a pet policy, and often do not make payments until a pet is out of the home.
While many pet policy holders may not realize the full value of their pet until the pet is no longer in their care, a pet plan may provide an affordable way to pay veterinary bills, administer medications, and treat chronic health conditions for pets.”
Read more about pet policy coverage in 2018: What to look for in pet insurance coverage in 2017: What pet insurance policies do you need?
Pet-insured policies can include vaccinations, vaccinations, and preventive treatments, which could cover many of the same conditions as dog and cat policies.
Pet-insured insurance can also cover veterinary bills for pets, and it can cover medications, if needed.
But if your pet is a dog or cat, you may be able apply for a pet-in-home policy to cover those costs.
You can check the pet-ownership coverage of your state by visiting the website of your local public insurance office.
Pet owners may also want to consider other ways to get a better understanding of their dog or cats’ health, and whether their insurance covers them for the same medical conditions that other pet owners might.
For example, some insurance plans, such as the American Pet Insurance Institute’s (API) Pet Health Program, do not cover pet owners with heart conditions.
Other policies, such a PetSmart’s pet insurance, cover pets with kidney, liver, and kidney problems.
A pet-owned policy also can be good for pet owners whose pets are at high risk of having a medical condition, such the heart disease or diabetes.
The Pet Insurance Policy Comparison Tool, which is provided by the Pet Insurance Review Council, allows you to compare pet-related pet policies and compare the cost of pet insurance with other policies.
If you have a question about pet policies in your state, call the Pet Health and Veterinary Services hotline at 1-800-542-6242.
Learn more about pets insurance coverage.
What if I get a claim for a medical issue?
If you think you might have a medical problem that’s caused by a pet, you might be able get a reimbursement from your pet insurance carrier.
The reimbursement is usually in the form of a discount from the pet policy.
In addition to being able to get your money back from your insurance company, you can also have your pet covered for medical expenses by a dog-owner.
If your pet has a chronic medical condition or if your dog is at high-risk for having a similar problem, you could also be eligible for reimbursement.
Read more on pet insurance reimbursement in 2018 and pet insurance reimbursements in 2017.
What to know before you buy pet insurance?
Before you buy your pet’s insurance, make sure you know the pet insurer is offering the policy in your area, as many pet-accredited insurance companies do.
If they don’t, you should make sure to talk to your pet insurer about its pet insurance program.
Also, read the Pet Owner’s Guide for 2018 to find a good pet insurance company for your specific situation.
Learn about how pet insurance providers cover pet care, vaccinations and medical care.