Pet Insurance

Pet insurance works similarly to human health insurance. You pay a monthly premium, and when your pet needs veterinary care, you pay the bill upfront and then submit a claim for reimbursement. The best insurance policies cover a wide range of conditions and treatments, from accidents to illnesses. As for whether it’s worth it, many pet owners find that pet insurance provides valuable peace of mind and financial protection against unexpected vet bills. With the rising costs of veterinary care, having pet insurance can help ensure you never have to choose between your pet’s health and your budget. At UCCU Insurance Services, we offer some of the top rated pet insurance options to help you provide the best care for your furry family members.

The cost of this insurance can vary widely depending on several factors. On average, insurance for dogs might range from $30 to $50 per month, while insurance for cats typically costs between $15 to $30 per month. Factors that affect the price include your pet’s age, breed, and location, as well as the level of coverage you choose. Some breeds prone to certain health issues may have higher premiums. The deductible and reimbursement percentage you select also impact the cost. At UCCU Insurance Services, we offer competitive rates and can help you find a plan that balances coverage and affordability. Remember, while there is a cost, having insurance can save you from much larger unexpected vet bills in the future.

The best insurance policies generally cover accidents, illnesses, surgeries, hospitalizations, and prescribed medications. This can include everything from broken bones and swallowed objects to chronic conditions like diabetes or cancer. Some plans also cover hereditary and congenital conditions. However, it’s important to note that most pet coverages doesn’t cover pre-existing conditions, routine check-ups, or preventive care (unless you add a wellness plan). Cosmetic procedures and elective surgeries are typically excluded as well. At UCCU Insurance Services, we offer comprehensive insurance for dogs, cats, and other household animals, and we can help you understand exactly what is and isn’t covered in your policy.

Yes, you can get insurance for older pets, although the premiums may be higher and there might be some coverage limitations. As for pre-existing conditions, while they’re generally not covered by insurance, this doesn’t mean you can’t get insurance for your animals. The insurance will still cover new, unrelated conditions. Some insurers may even cover conditions that are considered cured and haven’t recurred for a certain period. At UCCU Insurance Services, we believe every cat and dog deserves protection, regardless of age or health history. We can help you find the best insurance option for your unique situation, ensuring your furry animals gets the care they need at any stage of life.