Considering pet insurance? Here are the questions you should be - Spokane, North Idaho News & Weather KHQ.com

Considering pet insurance? Here are the questions you should be asking

Posted: Updated:
SPOKANE, Wash. -

Not only are more people looking to protect their precious pets, but more companies are offering insurance for them.

Like all insurance, you’re gambling with whether you’ll use pet insurance or not.

But before you buy in, make sure you consider the following from the Washington Office of the Insurance Commissioner:

What's covered and not covered under pet insurance

What is pet insurance?

Its insurance that may help pay for veterinary bills if your pet is hurt, sick or needs routine preventive care. Most plans cover dogs and cats. Some plans will cover other types of animals.

When shopping for pet insurance, youll want to compare the different policy options that are available and also find out what the policy does and doesn't cover.

Pet insurance policies may cover:

  • Accidents

  • Surgeries

  • Prescriptions

  • Emergencies

  • Illnesses

  • X-rays

  • Hospitalizations

  • Wellness checks

Not all plans cover:

  • Preventive care

  • Dental care not associated with an accident or injury

  • Treatment for behavioral problems

  • Breed-specific hereditary conditions (limited benefits may apply to treatment)

  • Elective procedures

  • Congenital conditions (limited benefits may apply to treatment)

Questions to ask about coverage:

  • Can I keep my current vet?

  • Is there a waiting period involved before coverage takes effect?

  • Are routine wellness exams covered?

  • Does the plan cover chronic or recurring conditions?

  • Is neutering or spaying covered?

  • If my pet has a pre-existing or hereditary condition, does the plan cover it?

  • Is prescription drug coverage included?

  • Does the plan cover advertising costs and rewards if my pet is lost or stolen?

  • Does this plan make payouts if my pet is being treated and dies?

Compare policy costs

Find out if the policy limits payouts by incident, a yearly timeframe or your animal's lifetime.

Ask what premiums will be based on the age and breed of your pet, and the amount and type of coverage you choose.

Questions to ask about costs

  • Are there discounts for insuring multiple pets?

  • How quickly do you pay claims?

  • Are claims covered annually or by incident?

  • If the coverage is by incident, is there a time limit?

  • Is there a dollar limit for vet office fees?

Reimbursement

Some companies pay the vet for covered services, but only after you pay the full bill when your pet is treated. The company then reimburses you for the covered amount.

Read and review the policy

Be sure to look at:

  • Deductibles

  • Copays

  • Coverage limits

  • Exclusions

Pre-existing conditions

  • Review the policy to make sure it covers pre-existing conditions (certain hereditary and medical conditions).

  • For pre-existing conditions, the company may enforce a wait period before coverage kicks in.

  • For other conditions, such as diabetes or cancer, they may exclude it entirely or cover it only on a limited basis.

  • Also, a vet may have to examine your pet to certify its health before you can insure it.

Renewable benefits

If your pet's treated for a covered condition during the policy term, some companies will then consider it a pre-existing condition when the policy renews. As a result, the company may exclude coverage for that condition in the renewal policy.

Veterinarian networks

  • Some plans require you to use a specific network of veterinarians.

Make sure there's a veterinarian in your area or that your family veterinarian is in your network if you don’t want to change.

  • Most Popular StoriesMost Popular StoriesMore>>

  • John Belmont fire in Mica up to 60% containment

    John Belmont fire in Mica up to 60% containment

    Sunday, July 22 2018 1:13 PM EDT2018-07-22 17:13:07 GMT

    MICA, Wash. - The John Belmont is now 60 percent contained. Crews say the fire reached 50-60 acres, but they have a line around 90 percent of the fire. They expect 3-4 days total for full suppression of the fire. Level 2 and 3 evacuations remain in place through the night into tomorrow morning. Red Cross has set up a shelter for evacuees at Bowdish Middle School in Spokane Valley.

    >>

    MICA, Wash. - The John Belmont is now 60 percent contained. Crews say the fire reached 50-60 acres, but they have a line around 90 percent of the fire. They expect 3-4 days total for full suppression of the fire. Level 2 and 3 evacuations remain in place through the night into tomorrow morning. Red Cross has set up a shelter for evacuees at Bowdish Middle School in Spokane Valley.

    >>
  • 22-year-old Sandpoint man dies in Clayton 395 crash

    22-year-old Sandpoint man dies in Clayton 395 crash

    Saturday, July 21 2018 1:58 AM EDT2018-07-21 05:58:53 GMT

    STEVENS COUNTY, Wash. - Washington State Patrols responded to a fatal crash in Stevens County Friday evening. On SR-395 in Clayton near Mile Post 185, a vehicle crossed the center line and crashed head on with another car, killing the driver. The causing driver who was transported to the hospital is in custody for vehicular homicide. There were no other occupants of either vehicle. 

    >>

    STEVENS COUNTY, Wash. - Washington State Patrols responded to a fatal crash in Stevens County Friday evening. On SR-395 in Clayton near Mile Post 185, a vehicle crossed the center line and crashed head on with another car, killing the driver. The causing driver who was transported to the hospital is in custody for vehicular homicide. There were no other occupants of either vehicle. 

    >>
  • Employees attack, subdue would-be robber armed with box cutter

    Employees attack, subdue would-be robber armed with box cutter

    Tuesday, July 17 2018 12:10 AM EDT2018-07-17 04:10:47 GMT

    TUCSON, Ariz. - A man armed with a box cutter got more than he bargained for when he tried to rob a Tucson, Arizona, restaurant last week.  Security shows the man, identified as 20-year-old Jerry Evans Madril, enter the Mi Nidito restaurant and demand money from employees. But the workers weren't having any of it.  At least six workers attacked Madril.

    >>

    TUCSON, Ariz. - A man armed with a box cutter got more than he bargained for when he tried to rob a Tucson, Arizona, restaurant last week.  Security shows the man, identified as 20-year-old Jerry Evans Madril, enter the Mi Nidito restaurant and demand money from employees. But the workers weren't having any of it.  At least six workers attacked Madril.

    >>
HD DOPPLER 6i
/
  • Top Stories from KHQHomeMore>>

  • Afghan vice president escapes suicide attack; 14 people killed

    Afghan vice president escapes suicide attack; 14 people killed

    Sunday, July 22 2018 5:07 PM EDT2018-07-22 21:07:11 GMT

    KABUL, Afghanistan (AP) - An Afghan interior ministry spokesman says that 14 people, including both civilians and military forces, have been killed in the suicide attack near Kabul's airport shortly after the country's controversial first vice president landed on his return from abroad. Spokesman Najib Danish added that 50 other people were wounded in the attack. The Islamic State group claimed responsibility for the attack through its Aamaq News Agency.

    >>

    KABUL, Afghanistan (AP) - An Afghan interior ministry spokesman says that 14 people, including both civilians and military forces, have been killed in the suicide attack near Kabul's airport shortly after the country's controversial first vice president landed on his return from abroad. Spokesman Najib Danish added that 50 other people were wounded in the attack. The Islamic State group claimed responsibility for the attack through its Aamaq News Agency.

    >>
  • Woman killed, 3 teens ejected in I-90 rollover crash

    Woman killed, 3 teens ejected in I-90 rollover crash

    Sunday, July 22 2018 4:36 PM EDT2018-07-22 20:36:13 GMT

    PARK CITY, Mont. (AP) - Montana authorities say a woman died and four other people were hurt when their SUV rolled over on a highway. The Billings Gazette reports that a 39-year-old woman from North Dakota was killed in Sunday morning's crash, which closed Interstate 90 near Park City for about an hour. Montana Highway Patrol Capt. Keith Edgell says a man driving eastbound apparently lost control of the Chevrolet SUV, swerving off the road.

    >>

    PARK CITY, Mont. (AP) - Montana authorities say a woman died and four other people were hurt when their SUV rolled over on a highway. The Billings Gazette reports that a 39-year-old woman from North Dakota was killed in Sunday morning's crash, which closed Interstate 90 near Park City for about an hour. Montana Highway Patrol Capt. Keith Edgell says a man driving eastbound apparently lost control of the Chevrolet SUV, swerving off the road.

    >>
  • Several Ritz Cracker products recalled over Salmonella fears

    Several Ritz Cracker products recalled over Salmonella fears

    Sunday, July 22 2018 4:25 PM EDT2018-07-22 20:25:27 GMT
    Mondelez Global LLC has voluntarily recalled Ritz cracker products in the United States, due to the concern of salmonella. The affected products contain whey powder, which the whey powder supplier has recalled due to the potential presence of salmonella. The recall includes Ritz Bitz, Ritz Cheese Cracker Sandwiches, Ritz Bacon Cracker Sandwiches with Cheese, Ritz Whole Wheat Cracker Sandwiches with White Cheddar Cheese, Ritz Everything Cracker Sandwiches with Cream Cheese and Mixed ...>>
    Mondelez Global LLC has voluntarily recalled Ritz cracker products in the United States, due to the concern of salmonella. The affected products contain whey powder, which the whey powder supplier has recalled due to the potential presence of salmonella. The recall includes Ritz Bitz, Ritz Cheese Cracker Sandwiches, Ritz Bacon Cracker Sandwiches with Cheese, Ritz Whole Wheat Cracker Sandwiches with White Cheddar Cheese, Ritz Everything Cracker Sandwiches with Cream Cheese and Mixed ...>>