pet insurance lifetime cover

What is a Pet Insurance Policy With a Lifetime Cover?

Pet insurance can help you pay for expensive veterinary bills in the case your pet has a medical problem or emergency. Some pet insurance policies will also cover wellness care coverage such as vaccinations, fecal examinations, parasite control medications, heartworm prevention, flea control, anal gland expression, nail trims, prescription foods, and even dental cleanings.

It can take time to shop for pet insurance policies and find the right company. Once you do, you may want to understand your pet insurance lifetime coverage options. If you have more than one pet, learn more about factors to consider as you think about Can You Get Multi-Pet Insurance?

Buying pet insurance can be complicated. You have the policy, policy limits, copays, deductibles, reimbursement, exclusions, and waiting periods to consider. Here is a very good article that gives information on exactly how pet insurance works. Go to How Does Pet Insurance Work?

What is a Pet Insurance Policy With a Lifetime Cover?

For most companies, your pet insurance policy will be in effect as long as you keep your policy up to date. It will provide the coverage you select when you purchase your policy. For example: If you have a deductible of $500 and a copay or reimbursement percentage of 90%, your policy will pay 90% of your vet bills after you meet your $500 deductible.

The maximum coverage limit varies by company. This is how much money an insurance company will pay out per health issue, per year, or lifetime. Some may have a limit of $5,000 and others may unlimited coverage. This is a very important variable to understand as you compare companies.

It is also important to understand exclusions. Exclusions are what a pet insurance company won’t cover. For example, some companies won’t cover genetic conditions such as hip dysplasia. Learn more about pet insurance companies won’t cover pre-existing conditions.

What are Common Pet Insurance Questions and Answers?

Below are some of the most common questions and answers pet owners ask about pet insurance. These are important to understand as you consider a pet insurance policy with a lifetime cover.

Important Questions to Ask

Three important questions to ask as you determine what lifetime pet insurance coverage will include for your pet:

  1. If you continue to pay the premiums, can they cancel you for any reason?
  2. What is their maximum coverage payout? Is it per health problem, per year or per lifetime?
  3. What are the exclusions in the policy for your pet? Are there genetic exclusions? Are there pre-existing exclusions?

Obtaining answers to these three questions should help you understand what is included in your pet’s lifetime pet insurance coverage.

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