More Than Pet Insurance offers pet owners comprehensive coverage for the cost of veterinary care. Customers can choose to cover only a portion of their pets, or they can purchase coverage for the whole household. There are many advantages to purchasing a policy, but you should also consider the downsides. This More Than Pet Insurance Review looks at how the policy works and the prices. We also discuss how the company treats customers and the exclusions.
Pricing for pet insurance policies differs widely, and you may find that the premiums are too high for your specific needs. Even comprehensive policies can vary by more than 100%. Some insurers charge as much as triple what others do. That can add up to nearly $150 a year or $350 per pet. To avoid paying more than you need to, compare prices before buying a policy. A quality pet insurance plan can save you thousands of dollars in the long run.
Price is determined by many factors, including zip code, pet breed and age, and the insurance company. In some cases, the cost of living is higher in an area because of high medical costs, and advanced treatments are available to help pets. This means that ensuring pets in an urban area is more expensive than in a rural one. However, premiums are still lower than in rural areas. In addition, the amount of coverage varies greatly.
You may wonder if you need coverage for more than just your pet’s medical expenses. Many pet insurance plans do not cover pre-existing conditions, though there are exceptions to that rule. Some policies will cover certain conditions after waiting, provided the symptoms do not recur. Others will cover pre-existing conditions for a certain period, after which the covered expense will be the pet owner’s responsibility.
In addition to routine vet visits, pet insurance can cover dental care and vaccinations. Some policies will only cover dental cleanings but will not cover a pet’s annual vaccinations. Dental care is sometimes covered if it’s part of a wellness add-on, but vaccinations are not considered routine expenses. While most pet insurance plans will cover vaccinations and other routine expenses, there are exceptions for “curable” conditions. In these cases, the pet owner should have the pet’s condition diagnosed and treated within 14 days of the policy’s renewal.
Before purchasing a pet insurance policy, check out the deductible. Most pet insurance policies have a deductible amount you must pay before the insurance company starts paying for expenses. If you expect multiple vet visits in a year, you may want to choose an annual deductible, whereas a per-condition deductible is usually less expensive. Both deductible types have pros and cons. If you’re concerned about the cost of veterinary care, you should consider a plan that offers a high deductible.
Some policies will cover certain types of medical care, including behavioral therapy, physical therapy, and vet exams. The coverage will vary, however, depending on whether the condition is hereditary or congenital. Certain policies will also cover surgeries for hereditary conditions, while others will only cover the costs of drugs and procedures and may not cover the costs of exam fees. You should always ask for detailed information about coverage and whether age-specific restrictions apply.
Some insurers offer sample policies; you can browse these to find the best plan. Some insurers also offer online quotes for free, which can save you money. And remember, the policy will be for the life of your pet, so make sure you shop around. There are many good pet insurance companies out there. Take the time to compare policies before deciding on a policy. It is worth it! You can save money and protect your pet with pet insurance.
Most pet insurance policies have certain exclusions. One of the biggest exclusions is the treatment for a pre-existing condition. This condition is one your pet already had but is not considered chronic or life-threatening. It also has to have not been present for 18 months before the date of the claim. Certain medical procedures, such as surgeries or dental work, are also excluded. Fortunately, you can download a form that will help you determine whether your pet is eligible for a policy.
An accidental damage policy is among the exclusions of More Than pet insurance policies. You must pay a fixed policy excess for the first claim. Afterward, you can opt for a voluntary co-payment of 10% or 20% (depending on the pet’s age) for certain treatments. However, if your pet is over nine years old, you will be expected to pay a compulsory co-payment of 20% of the total vet bill.
In addition to the pre-existing condition exclusions, you should be aware that certain hereditary and congenital conditions are generally excluded from pet health insurance. Some companies allow additional coverage for hereditary conditions, but you should research this thoroughly before enrolling your pet in any insurance policy. Another type of exclusion is for chronic conditions, or “incurable,” diseases and illnesses that persist for the animal’s lifetime. While most pet health insurance policies do not cover these conditions, you should always consider this when choosing your plan.
More Than also offers an accident-only pet insurance policy. This insurance plan covers veterinary fees for an accident. The coverage amount is limited to PS6,000 for each illness or accident. You will have to pay for any further treatment out of pocket. You may also have to pay the vet directly. If you do not feel comfortable paying the entire veterinary costs, More Than’s accident-only pet insurance policy is a good option.
Some pet insurance policies do not cover certain services, such as routine dental and desexing services. Most policies do not cover these, so make sure to read the fine print before you buy. You should also consider how much you can afford for routine pet care each month. The benefits of routine insurance are worth the extra expense. It pays to consider these exclusions when shopping around for pet insurance. They are important in ensuring your pet receives the care and attention it needs to remain healthy.