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Main Street Veterinary Hospital and Dental Clinic

4100 Kirkpatrick Lane

Flower Mound, TX 75028 US

(972) 355-0008

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  • Questions to Ask When Considering Which Pet Health Insurance to Buy

Questions to Ask When Considering Which Pet Health Insurance to Buy

  • Created in Newsletter Library, Visiting the Vet

We all love our pets and many consider their pets to be their furry children. When they get sick we want to be able to take care of them properly. With technological advances in veterinary medicine, much more is available now in both diagnostics and treatment. Procedures such as MRI's, CAT scans, chemotherapy, and radiation treatment are all common but they can be quite expensive. Many people are now considering pet health insurance to help with the costs. It is important to ask the correct questions when interviewing companies that offer this insurance, so you know what you're getting.

Pet health insurance is different from "human" health insurance in the way that with pets, the doctor is paid first and then the pet owner is reimbursed by the insurance company. There are several companies offering pet health insurance in the United States and they differ in their policies. Other companies offer pet insurance in other countries. Some companies offer different levels of care. There basic plans that cover accidents and illness, as well as premium plans that cover all aspects of health and wellness.

Most plans do not cover pre-existing illnesses, and this may be important in how other symptoms are covered by your plan. If your pet, for instance, has an ear infection in its history, ask if in the future the pet is diagnosed with an allergy, but with other symptoms, if that will be covered. An ear infection is often caused by an allergy. If your cat has been treated in the past for vomiting, and is later diagnosed with another disease that can cause vomiting such as IBD or kidney disease, will that be covered?

Another issue with the pre-existing clause is that it is important to ask if your pet is evaluated for coverage when first obtaining the insurance, or with each renewal. For instance, if after you get the insurance, it pays for treating your dog's ear infection, will another ear infection treatment be covered next year?

Many plans do not cover "genetic" diseases. With advances in DNA studies, veterinary medicine is discovering more and more diseases are genetic based. It is important to ask what diseases they consider to be genetic for the breed that you own.

Some policies cover only up to a certain age of your pet. Some do not cover prescription drugs or dental disease. Others have a yearly or lifetime dollar limit.

Most companies have a deductible and then pay a percentage of the bill, usually 80% to 90%. Some companies have a set dollar reimbursement for each problem or procedure.

Another consideration is whether to obtain a basic or premium plan. It is important to compare the costs of each option. In many cases, it may be more prudent to purchase the basic coverage.

A small percentage of pets are covered by health insurance at the present time but this is expected to change in the near future. More than 1600 companies, including Google and Office Depot, offer pet health insurance as an optional employee benefit.

  • We Help Your Pet With
    • Chronic Conditions
    • Digestive and Oral Health
    • Diseases and Viruses
    • Pests and Parasites
    • Orthopedics
  • Today's Veterinarian
  • Choosing Your Pet
    • Birds
    • Cats
    • Dogs
    • Ferrets
    • Rabbits
    • Reptiles
      • Lizards
      • Turtles
  • Living With Your Pet
    • Bringing Your Pet Home
    • Providing Care
    • Travel
    • Saying Goodbye
  • Finding Your Pet
  • Newsletter Library
    • Tips for Pet Owners
    • Fun with Pets
    • Equine
    • Visiting the Vet
    • Unbelievable Pets
    • Seasonal Topics
    • Pet Dangers
    • Nutrition & Food
    • Recognizing Illness
    • Cats
    • Keeping Pets Healthy
    • Fleas & Parasites
    • Behavior & Training
  • Video Newsroom
    • Health Topics
    • Technology and Science
    • Other Interests
  • Client Survey
  • Pets4Kids
  • Feline
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Office Hours

Monday:

7:00 am-6:00 pm

Tuesday:

7:00 am-6:00 pm

Wednesday:

7:00 am-6:00 pm

Thursday:

7:00 am-6:00 pm

Friday:

7:00 am-6:00 pm

Saturday:

8:00 am-1:00 pm

Sunday:

Closed

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Testimonial

  • "I like the fact that the staff at Main Street Veterinary Hospital is friendly, knowledgeable, and helpful. I would recommend them to my friends and family."
    Kathy Lemoine - Flower Mound, TX
  • "I appreciate the convenience and quality care offered at Main Street Veterinary Hospital. They are very thorough and they are always able to work us in any day. Our dog seem comfortable here. I would recommend them."
    Rauny Ruiz - Flower Mound, TX
  • "I have never been to a vet that was so caring ; the entire staff was amazing. I felt like they treated my dog Rascal like he was one of their own and answered all my questions in great detail. I felt blessed to have been referred here."
    Alexis C. - Flower Mound, TX
  • "Joshua came for shots and a heart worm test, which ended up positive. I am thankful for Dr. Pierson and the vet tech that helped Joshua and I to understand his diagnosis."
    Heather Markanovic - Flower Mound, TX
  • "Polly enjoys her weekly visits for her bath! Everyone seems to like Polly and spoils here rotten! I love it! You all are the BEST! Keep up the GREAT work!"
    Martha Balderston - Flower Mound, TX

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