How It Works
Learn more about pet insurance rates here. We'll explain what pet insurance is, what a typical policy covers, and how our quotation process works.
About Pet Insurance
When you get pet insurance rates, you will be seeing estimates of the premiums you will pay for a pet insurance policy with a particular insurer. Pet insurance is a financial solution to help you manage the cost of veterinary care for your cat or dog by reimbursing you for eligible expenses. Typically, how a policy works is that you pay for your pet's expenses at the vet. You then submit the claim to your pet insurance company, and they will reimburse you for the amount less the deductible. Though this will vary by company when you get pet insurance rates, common reimbursement schedules range from 80%-90% with deductibles averaging about $50. You don't have to worry about whether your vet will "accept" your pet insurance, as the insurance company reimburses you directly, not the vet.
Coverage Levels
Before you get pet insurance rates, you will have to decide on a level of coverage that fits your pet's needs and your budget. Most companies that offer pet insurance rates on our website offer two or three basic tiers of service. As a general rule, the more your policy covers, the higher your pet insurance rates will be. However, higher pet insurance rates also mean lower out-of-pocket costs for veterinary care. Here is a brief description of the common coverage levels you will see when you get pet insurance rates:
- Standard plan - the most basic level of coverage will usually have the lowest pet insurance rates and will cover things like accidents, illnesses, X-rays, surgeries, cancer, prescriptions, and hospitalizations, but not routine preventive care.
- Superior plan - the next level of coverage pays for the same kinds of expenses as the previous plan, but reimburses you at a higher rate (e.g., 90% instead of 80%).
- Superior plan plus well care - this plan will have the highest pet insurance rates but offers the most comprehensive coverage. A plan that includes well care will pay for routine preventive care, such as vaccinations, heartworm, flea control, urinalysis, dental care, and spay/neuter.
Signing up for Pet Insurance Rates
Signing up for pet insurance rates is quick and easy on our site. Here is what you do:
- Complete the online form. Fill out our free, no-obligation form.
- Get up to five quotes on pet insurance rates. We will provide you with up to five free quotes on pet insurance side-by-side for easy comparison shopping.
- Apply for a policy on the insurer's website or save your quotes for later.
If you have any questions, then please visit our frequently asked questions page for you answers.
