At Montgomery Veterinary Hospital, we want financial concerns to be the last thing on your mind when your pet needs care. We accept all major pet insurance providers — simply pay at the time of your visit and submit your claim directly to your insurer for reimbursement.
When people get a pet, they often don't consider how they'll handle unexpected illnesses or accidents. Keeping a pet indoors doesn't eliminate all hazards — they can still swallow foreign objects, ingest poison, or suffer breed-specific conditions. Pets with outdoor access face even more opportunities for injury or disease. The good news is that pet insurance has expanded beyond dogs and cats. Many providers now offer plans for birds and exotic animals, making coverage accessible for a wider range of pet owners.
Most pet owners will weigh two main considerations when shopping for pet insurance: budget and coverage. Peace of mind can also be an important factor, but far more difficult to quantify. North American pet owners can choose from a variety of coverage choices, ranging from cost of pet insurance increases as the coverage improves. As a pet owner, you must decide what is the right balance between affordability and the care you want for your pet.
When choosing pet insurance coverage, first consider what kind of insurance customer you are. Do you prefer all-inclusive coverage that pays for everything from routine checkups and vaccinations to accidents and chronic illnesses, or are you comfortable with a lesser degree of coverage that just kicks in during emergencies? Perhaps you prefer a flexible plan that offers discounts on a wide range of services, from veterinary care to training. This decision will lay the groundwork for your final choice.
Some issues to consider:
Make sure to check for coverage of pre-existing conditions as well as breed-specific genetic ailments, such as hip dysplasia for large dogs. Some plans refuse to cover these conditions.
Some plans place limits on annual, per-incident, per-illness or lifetime costs.
How old is your pet? Coverage usually starts at eight weeks, but some plans won’t cover pets over a certain age (usually between six and 10 years old, depending on the breed, type of animal and other factors).
To start comparing insurance plans check the links below:
Pet insurance coverage varies by plan. Options range from all-inclusive plans that cover routine checkups, vaccinations, accidents, and chronic illnesses, to basic emergency-only plans. Some flexible plans also offer discounts on services like veterinary care and training.
Monthly premiums can range from less than $20 to about $100, depending on the plan you choose. Premiums are affected by your pet’s age, health, breed, and type of animal, and plans with lower monthly premiums typically come with higher deductibles and/or larger co-payments.
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