How does your insurance plans work with emergency care?
For example, my vet clinic has a DVM on call 24/7/365. I can call and get a vet and tech to meet me at the clinic even if it's 3 AM. But there's an $150 charge for this plus the regular fees. Does your insurance cover charges like this?
Petplan let's you call and ask ahead of time for weird scenarios like this. They also have a preauthorization form that they will approve ahead of time before a procedure so you have peace of mind Obviously there's no time for a preauthorization on an emergency.
My interpretation of my coverage is that after hours would immediately drop coverage to 80%. They do cover the exam fee. You'd pay 80% of the cost plus your deductible. The exception is if the emergency or after hours visit is a life-saving emergency consultation you pay whatever your selected deductible is. We all worry - whether it's a matter of life or death isn't always readily apparent before the visit.
Pet plan will also cover recurring conditions as long as your pet has continuous coverage. For example, if my kitten is treated for a UTI this year then I renew his coverage, the UTI is still a pre-existing condition but it is a covered one until I let the coverage lapse. They will also cover some pre-existing conditions if a vet certifies that your pet is clear for a period of time.
I also get money toward vacation cancelation due to pet illness ($1000), loss or theft (cost of pet up to $500), advertising or reward money ($500). It even covers boarding with no copay or deductible if I have to be hospitalized ($500).
These "extras" are probably not things I'd ever use, but the plan upgrade to get them was so nominal that I went with it anyway.
Insurance is always a gamble. The $14/month I pay is worth the peace of mind even if I never use it. This allows me to build an emergency fund for myself, earmark my savings for specific goals, and not worry about the what-ifs.
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