Best Pet Insurance For Cane Corsos In 2024

Check Whether Your Pet Is Eligible

Insurance coverage for puppies and kittens usually begins at 6 to 10 weeks old, depending on the insurer. Senior pets might not qualify for initial enrollment or may only receive accident coverage. Once enrolled, however, most plans offer lifelong coverage with consistent premium payments.

Research What’s Covered

Pet insurance plans usually cover costs like surgery, hospitalization, and medication if your pet gets sick or injured. However, there are certain things that may not be covered or may come with extra charges. Examples include:

• Exam fees: While treatments like X-rays or surgery may be covered, the exam fee might not be.
• Alternative treatments: Some policies cover therapies like acupuncture and physical therapy, while others charge more for these services.
• Behavioral therapy: Some plans don’t cover treatments for behavioral issues such as aggression.
• Prescription food: Certain plans won’t cover food or supplements, even if your vet prescribes them.
• Dental care: Dental care coverage varies. Your policy may not cover dental issues like gingivitis unless your pet has had a recent cleaning. Wellness plans might cover cleanings.

Additionally, most policies won’t cover pre-existing conditions, cosmetic procedures, or breeding-related expenses.

Decide How Much Coverage You Want

Pet insurance plans typically cap annual payouts, though some offer unlimited coverage. It’s up to you to determine the amount of coverage that provides peace of mind for vet bills. If your pet remains healthy, you may only need to cover routine care costs for years. However, unexpected surgeries or major illnesses could lead to substantial expenses.

Understand Reimbursements And Deductibles

Many pet insurance plans will reimburse you for a percentage of your vet bill, and you can typically choose a reimbursement level, like 70%, 80%, or 90%.

Other plans may cover a standard fee set by the insurer, which could be less than your vet’s charge, and you’d be responsible for the rest.

Most policies have a deductible, which is the amount you pay out of pocket before coverage starts. Deductibles often range from $100 to $250 or more. Some plans apply the deductible per incident, while others use an annual deductible.

Lower deductibles and higher reimbursement rates generally result in higher premiums, while higher deductibles and lower reimbursement rates lower premiums.

Check Waiting Periods

Most insurance plans have a short waiting period, usually about 14 days from purchase, before they cover general accident and illness treatments. During this waiting period, no medical expenses are covered. Some plans have longer waiting periods for specific conditions, such as cruciate ligament injuries, which are common orthopedic issues in dogs. These ligaments are important for knee stability, and damage to them can hinder a dog’s mobility.

Examine Extra Costs

Some pet insurance companies include routine care such as vet check-ups and vaccinations in their plans. Before deciding, calculate if the added expense is justified by comparing the annual premium of the wellness plan with your usual yearly costs for these services. Check the specifics, as coverage for wellness services differs between insurers.

Compare Quotes

The expense of pet insurance changes based on the insurer and the level of coverage selected. Some pet insurance providers offer discounts, such as reduced premiums for insuring multiple pets. However, a discount doesn’t guarantee it’s the most advantageous option. To identify the optimal pet insurance, evaluate quotes from multiple plans with similar coverage amounts, deductibles, and reimbursement limits.