Pet Insurance in Massachusetts

What is Pet Insurance?

Providing veterinary care for a family pet can be expensive, and the financial stress caused by veterinary care comes when pet owners are already worried about their furry loved one. Pet care insurance policies help pet owners in Massachusetts alleviate much of the financial stress that veterinary bills cause by helping pay for certain covered veterinary care expenses that their pets need.

Pet insurance is a highly specialized insurance. Most policies are purchased as by themselves and come with several coverage options.

Who in Massachusetts Needs a Pet Policy?

Many pet owners in Massachusetts can benefit from the provisions that pet care policies afford, for almost anyone who has a pet could face the difficult decision of whether to pay for expensive veterinary care. With insurance, owners are much less likely to need to decide between paying for potentially life-saving veterinary care that their pet needs and managing other expenses.

What Animals Will Pet Care Policies Cover?

The majority of pet policies are either cate care insurance policies or dog care insurance policies, but some policies might be available to insure other pets. In the case of cat care insurance and dog care insurance policies, policies are generally available for both purebreds and mutts.

Pet owners who are concerned whether insurance is available for an uncommon animal or breed should speak with an insurance agent who specializes in these types of policies. A knowledgeable agent will be able to check what policy options are available for a particular kind of animal.

What Veterinary Care Do Pet Insurance Policies Cover?

The exact veterinary costs that a particular pet insurance policy covers are determined by that policy’s terms, conditions and exclusions. Depending on these details, a policy might cover expenses like the following:

Routine veterinary exams and preventative services

Veterinary hospital visits for emergency services

Surgical procedures and cancer treatments

Specialized care and holistic animal care

Orthopedic procedures and prosthetic devices

CT scans, MRIs, X-rays and ultrasounds

An informed agent can review what a specific policy will cover based on that policy’s terms and conditions.

What Conditions Do Pet Insurance Policies Cover?

The health conditions that a pet policy covers are also determined by the individual policy’s terms. Policies might offer coverage for preventative care, injuries and/or illnesses. Regarding illnesses, policies may specifically define whether they cover congenital heart conditions, chronic conditions, knee issues, hip dysplasia and many other potential problems.

Are Policies for My Pet Expensive?

Since pet policies cover many different types and breeds of animals, premiums for these policies vary. Even among dog care insurance policies alone, premiums can vary substantially depending on many factors. Some of the more common items that may influence how much a dog care insurance policy or other pet policy costs include the animal’s breed, gender, age and preexisting conditions.

Naturally, the coverages chosen also directly affect a policy’s premiums. Pet owners who want lower premiums often have an option to adjust a policy’s deductible, rate of reimbursement and/or annual limit to achieve a lower monthly premium. An insurance agent who’s familiar with these policies can help pet owners sort through a policy’s options to find a combination that provides solid coverage at a good price.