Affordable Pet Insurance for Dogs, Cats, and Exotic Animals

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Pet Insurance

There's almost nothing you wouldn't do for your pets, but emergency vet visits or unexpected illnesses can put a strain on your finances.

The average annual cost of dog ownership typically ranges from $700 to $3,000 a year. Dogs live an average of 11 years, and small breeds tend to live even longer. In other words, you can expect to spend up to $33,000 in a dog's lifetime. Cats live even longer, 12 to 14 years on average. The total cost of cat ownership, over the lifetime of your pet, ranges from $4,500 to $18,000.

Wellness care, special diets, medication, and emergency surgical procedures, make up 30% to 50% of these costs. Our guide to pet insurance explores how these customizable policies can help you take care of your beloved companion.

What is pet insurance?

Pet insurance provides financial benefits similar to human health insurance. From comprehensive coverage with reimbursements for wellness visits to accident or illness-only policies, there are a variety of options to help you keep your pets healthy without breaking the bank.

Our self-serve pet insurance portal allows you to get a free quote and compare coverage plans. You have the power to customize your policy by selecting your coverage type and reimbursement level. That way, you can ensure your pet is covered by a policy that fits within your budget.

What does pet insurance cover?

Pet insurance covers a wide variety of costs, including accidents, illness, and emergency visits. Once you meet your annual deductible, you'll be eligible to receive reimbursements for covered claims. Exactly what's covered depends on the policy you select. When selecting a policy, you'll have the option to choose from three different coverage types.

• Accident covers costs related to accidental injuries. If your pet is attacked by another animal or accidentally ingested something toxic, accident coverage will reimburse you for your pet's treatment.
• Illness covers a wide variety of pet health conditions, including allergies, diabetes, cancer, and more.
• Wellness covers costs for regular vet visits and preventative care, including spaying or neutering surgery. Coverage often includes vaccinations, routine tests, and more.
• Comprehensive coverage plans combine accident, illness, and wellness coverage into one convenient plan.

Does pet insurance cover vaccines?

Routine care like wellness visits and vaccines are typically only covered if you opt for a comprehensive plan. What about medication?

Some policies may cover medications used to treat illnesses or those prescribed following an accident.

From accident-only coverage to comprehensive plans, you can choose what's best for you and your furry friends.

What is not covered by pet insurance?

Most pet insurance plans do not cover pre-existing conditions. At Keller-Brown Insurance Services, we offer Nationwide pet insurance, which allows members to request reviews of pre-existing conditions if they've been cured.

Other healthcare costs not covered by pet insurance include:

• Breeding and pregnancy
• Elective procedures
• Cosmetic procedures like dew claw removal and tail docking
• Hereditary disorders

General costs related to pet ownership like food, grooming, and boarding are also not covered by insurance.

How does pet insurance work?

Similar to your home or auto coverage, reimbursements kick in with pet insurance once you've met your annual deductible.

Getting reimbursed is easy. All you need to do is:

1. Pay for your vet visit in full. You can take your pet to any licensed veterinarian, including emergency and specialist providers.
2. Submit a copy of your bill online.
3. Once approved - the process can take a couple weeks - you receive reimbursement for covered costs by check or direct deposit.

Our pet insurance policies offer multiple reimbursement levels, ranging from 50% to 100% reimbursement on eligible expenses. For example, policyholders with a 50% reimbursement level would get $250 back on a $500 bill - assuming they've met their deductible.

How much does pet insurance cost?

Pet insurance is one of the most affordable policies you can get, with dog owners paying $49 on their monthly premium and cat owners paying $29 on average.

Ultimately, the cost of your insurance premium depends on a variety of factors, including: Your zip code The type of pet covered Your pet's age, breed, and size Your policy details, like the deductible, coverage level, and reimbursement percentage

Older pets and certain cat and dog breeds more susceptible to specific health conditions are more expensive to insure. Meanwhile, veterinary care typically costs more for dogs than cats. As a result, dog owners can expect to spend more on a pet insurance policy than cat owners.

Is pet insurance worth it?

Want to avoid paying for surprise vet bills when your best friend accidentally swallows something they shouldn't have? Accident-only coverage can help you soften the blow of emergency vet visits. Have a breed that's more susceptible to certain conditions? Comprehensive coverage can help you stay on top of regular vet visits.

Pet insurance is a low-cost way to protect your pet's health. Plus, you can continue to take your pets to your trusted veterinarian. As a customizable plan, you can choose between various levels of coverage, meaning you can get as much or as little coverage as you feel comfortable with.

Get a free quote for pet insurance

Our self-serve portal allows you to get a quote, compare coverage options, and purchase coverage for your furry friends in just a few minutes.

Here's how it works:

1. Start your free quote for Nationwide pet insurance using the Keller-Brown Insurance Services portal.
2. Tell us about your pet. We need to know what type of pet you have, their age, breed, and a few more important details.
3. Compare your coverage options. Get coverage just in case of emergencies, or opt for comprehensive coverage to keep your pet up to date on all their wellness visits.
4. Purchase the plan that's right for your family.

Pet insurance gives you peace of mind that your best friend will be taken care of. Contact us for a quote or more information today.