Should you pay for pet health insurance?

Different companies have different age limits for coverage. For example, Nationwide will insure pets anytime before the age of 10, but Embrace says pets are registered after they turn 15 birthdays are eligible for the event-only program, which excludes illness.

See other benefits. Some companies offer pet helplines or phone lines that can answer simple questions or help you determine if your pet can wait for a regular vet appointment or needs to go to the emergency room.

Ask questions like how much does the deductible go down each year because you don’t have an accident or illness to repay; or pre-existing conditions are present if the pet has been symptom-free or treatment-free for a year or more; and whether the plan offers significant drug discounts.

“Senior pets are more likely to be in poor health and develop chronic diseases or cancer as they age, so finding affordable medications is one of the things to keep in mind,” the said. Emily TincherDVM, senior director of veterinary medicine for the entire country.

Conditions you can expect to see in older pets are hyperthyroidism and heart disease in cats and kidney disease, diabetes, pancreatitis, osteoarthritis and cancer in dogs and cats. Many of these standards can be used but can add up to be very expensive over time, Tincher said.

Use websites to evaluate pet health insurance such as and to compare policies. Plug in your pet’s breed, age, breed and other necessary information, and they’ll suggest some plans to consider.

Then dig deeper by visiting the company’s website or calling to see exactly what’s covered. There may be discounts for covering multiple pets, for example. Companies like Nationwide, which also offers home and auto insurance, may offer discounts if you are a policyholder. Your company may offer pet health insurance as a benefit. Compare deductibles and benefit schedules. Your vet may be able to advise you based on their understanding of your pet’s health and lifestyle. ¦

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