Affordable Pet insurance and wellness plans can cover anything from preventative care, pre-existing conditions, to dental checkups. If you already know that you can't pay the vet bill out of pocket for unexpected visits, accidents and illnesses, you should consider insurance as an option.
Pet Insurance Coverage
Pet insurance works very similarly to human insurance. When an incident happens, such as an emergency illness or injury, you claim it through your pet insurance company. What makes Wagmo pet insurance great is that after your initial waiting period has passed and the annual deductible has been paid, we cover up to 100% of the costs!
Pet health insurance is easy and worth it! Monthly payments can start as low as $13/month. So if your dog swallows something he shouldn’t, or your cat hurts her paw, you won’t find yourself digging into your savings. Vet care, medications, and surgeries can leave you with a bill in the thousands… no thanks!
Unexpected Emergency Costs
It can be extremely scary, stressful, and upsetting when your furry family member experiences an emergency situation. If you have to rush your animal to the vet or emergency center, pet insurance covers all these costs. Common pet emergencies include:
- Eye injuries
- Fractured bones
- Severe anxiety
- Inability to urinate
Typically emergency vets are highly specialized and more expensive. With a pet insurance plan, you can select the best care for your animal without having to worry about the bill. If you do experience an emergency situation you get way more than your money’s worth.
Illness And Disease
If your pet develops an illness or is diagnosed with a disease, pet insurance can help with associated costs. This includes the medication, required surgeries, tests/diagnostics, and vet visits. Common illnesses include:
- Hip dysplasia
- And more!
Many pet insurance plans can also help cover therapeutic costs like a chiropractor or behavioral modification therapy.
Some Chronic Conditions
Chronic illnesses in pets are similar to those in humans. They are conditions that are ongoing, or even permanent. They typically require more medications, therapy, and vet visits. If your animal develops their condition after the insurance waiting period has passed. Both cats and dogs can suffer from chronic illnesses such as:
- IBD (inflammatory bowel disease)
Almost no pet insurance will cover a pre-existing condition or illness. However, some insurance providers will cover curable conditions after a certain waiting period with no recurring symptoms.
Pet Wellness Coverage
Pet wellness plans, or preventative plans, are there to help cover the cost of routine pet care. These are usually things you would be paying for anyways to keep your pet healthy, but with a plan, it is no longer out of pocket.
Insurers that offer wellness plans allow your dog to get the benefit of a very low premium in exchange for coverage on annual checkups, basic exam fees, vaccinations, and heart-worm prevention. On the other hand, if your dog is prone to issues that could require hospitalization or surgery, then it's a good idea to start pricing online quotes for insurance services.
If an emergency or unexpected injury or mouth infection occurs in your animal this would usually be covered by your regular insurance. But it would not cover routine dental care.
If you’re looking to bring your animal in for regular dental visits then a pet wellness plan would be best! Pet wellness coverage includes professional teeth cleaning & associated expenses, full dental procedure, anesthesia, oral exam, cleaning, extractions, and Comprehensive Oral Health Assessment and Treatment (COHAT).
It’s estimated that approximately 85% of pets have some form of dental disease which can be a source of infection that spreads to other parts of teeth. Preventative pet dental care can stop mouth and tooth health issues from arising.
If you would like to bring your animal to the vet for an annual visit, this probably would not be covered by regular pet health insurance. But wellness plans cover these routine visits. Wellness plans are a popular choice for people with house cats and choose not to get full health coverage. Regular vet visits are awesome for peace of mind and knowing exactly what is going on with your pet.
Grooming, Fleas & Ticks
Most dog owners and long-haired cat owners are frequent clients of the groomers. If you are a new dog owner you might become surprised to learn how often your dog needs grooming. After a few months, their hair starts growing over their eyes, and their nails can get super long. Grooming regularly also combats odor from and germs, especially if your animal is constantly out and about.
Luckily, with a Wagmo Wellness plan, grooming is covered! So you don’t even have to worry about doing it yourself.
Wellness Vs Health Insurance
The big question for most pet parents is if they need full pet health insurance or just a wellness plan. Think about your pet, their breed, and their specific needs. Ask yourself, would they benefit most from wellness plans, or do they need help beyond the routine care and preventative aid offered, i.e. a real dog insurance plan?
In our opinion, every pet owner should sign up for affordable pet insurance with a wellness plan with nationwide coverage. Such coverage ensures their pet's veterinary care is taken care of through early diagnosis and preventive care without common exclusions.
Take our online quiz for a quote! If you’re still unsure what is best for you, get in touch! We would love to answer any questions and offer our suggestions.