Why Pet Insurance > How Does It Work?

How Does It Work?

With our accident and illness plans you are reimbursed for 80% of your pet’s covered veterinary expenses by simply filling out a claim form, attaching itemized receipts for the care provided, and sending it to us.

Your pet’s coverage includes treatment for injuries and illnesses, including veterinary visits, lab tests, surgery, and prescription medicines.

Additionally, if you want help paying for your pet’s routine care needs, like vaccinations and annual teeth cleaning, you can choose to add BestWellness to your policy.

Pet insurance works a lot like people insurance does. There are traditional Blue Cross/Blue Shield-type plans where you pick the veterinarian of your choice for services, pet HMOs and even discount clubs, where for an annual fee you get a discount on veterinarian services and animal health and grooming products.

Unfortunately, like people insurance, most pet insurance policies involve a lot of fine print, including coverage levels, waiting periods for policies to take effect, exclusions, deductibles, payout caps per incident, per year and per ailment, and extremely limited coverage for older dogs, so do your homework before you buy. Ask your veterinarian. He or she may offer a locally-based discount plan for pets, which might be better for you than one of the bigger plans, depending on both your financial situation and the kind of dog you own.