Pets, like people, need medical treatment from time to time. Pet insurance helps dog and other pet owners in Vermont pay for covered veterinary care that their furry friends need.
Pet insurance is a highly specialized form of insurance. Most policies are purchased as stand-alone policies and offer several coverage options that pet owners can select.
Most Vermont residents who own pets can benefit from getting pet coverage. For many pet owners, coverage can help make potentially costly veterinary procedures more affordable. Even for those who can afford to pay multi-thousand-dollar bills, having coverage still helps remove the stress that comes with deciding how much to spend on a sick or injured pet.
Pet policies generally pay a portion of covered veterinary bills. What qualifies as a covered bill can vary from one policy to another. Some policies may cover:
Unlike many health insurance policies that include coverage for preventative care, pet policies often don’t offer preventative care coverage as a standard protection. Instead, coverage for vaccines, screenings and other qualifying preventative treatments is usually offered as an optional protection.
Insurance companies consider many different factors when setting premiums for pet policies. Some of the factors they take into account are the:
Generally speaking, pet coverage is quite affordable. Exact rates vary, but coverage is often available at a reasonable rate -- and for much less than a major claim might cost.
Dog insurance policies cover a wide range of breeds. Policies are widely available for most standard breeds, and many insurance companies also offer dog insurance policies that cover mixed breeds or mutts.
Like many other insurance policies, pet policies frequently come with deductibles. Deductibles are often given as annual deductibles that must be met within a calendar or policy year before the policy will begin helping with covered payments.
Once a policy’s annual deductible is met, the policy will typically pay a percentage of covered veterinary bills for the remainder of the year or until the policy’s limit is reached. The deductible, covered percentage and coverage limit can often be selected when purchasing a policy.
Because pet policies are so specialized, pet owners should seek the assistance of a knowledgeable insurance agent when comparing policies. An agent who specializes in this type of insurance will know what types of coverage are available, and they’ll be able to explain each coverage’s protections.
If you’re in Vermont and need help finding a pet policy, contact the team at Paige & Campbell Insurance. Our team has helped many pet owners in the state find coverage, and we’re here to assist you with pet insurance too.
Barre
P.O. Box 469
297 North Main Street
Barre, VT 05641
(802) 476-6631
Bradford
P.O. Box 392
25 North Main Street
Bradford, VT
(802) 222-5222
Waitsfield
5197 Main Street, Suite 3
Waitsfield, VT 05673
(802) 496-3118
Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. I contacted Mike and he was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him to be your insurance agent!