Many pet parents are starting to enroll in pet health insurance coverage to offset the costs of veterinary bills. However, not all pet owners understand the scope of pet insurance policies. While they can help with many vet bills, some health problems, such as pre-existing conditions, aren’t necessarily covered all the time. With that in mind, we will show you the aspects of pet insurance you need to know before signing up.

What Do Most Pet Insurance Plans Cover?

The majority of pet health insurance plans cover animals in the same way that a human's insurance covers their family members. You obtain a policy through an insurance agency and pay a monthly premium. Then you're responsible for paying up to the annual deductible before getting reimbursed for the money you spent. For some health outcomes, there are co-pays involved, depending on the insurance plan you choose.

Most insurers have pet wellness plans in addition to typical health insurance policies. The former covers preventive medicine, such as checkups, vaccinations, and heartworm care. However, other forms of health-care coverage require enrollment in a full insurance plan to help care for larger medical expenses.

The pet insurance plans most profound and useful to pet parents are the ones that provide the greatest peace of mind. For example, they will often help offset the costs of hospitalization, spaying, hereditary conditions, broken bones, and other medical emergencies. If your pet suddenly becomes sick, they have illness coverage that will cover the costs of having them examined by a licensed veterinarian.

Generally speaking, the more expensive pet health insurance plans will also have provisions for hereditary conditions, congenital conditions, chronic conditions, and routine care. The best way to get a good deal on your monthly premium is to research your pet’s needs, plan for chronic and hereditary conditions, and put some money aside in the event of an emergency.

What Pet Health Insurance Plans Don’t Often Cover

When trying to get pet insurance for your furry family member, you also need to consider what will not be covered by the plans. Unfortunately, your insurance isn’t going to cover pre-existing conditions. These are problems that occur before the insurance plan goes into effect.

Every pet insurance company is going to define these conditions differently too. Some will be simple to understand. If your pet tore a ligament and then got insurance, it won’tbe covered unless proven to have healed within a certain time frame during the waiting period. Other cases are not so cut and dry.

Pet health insurance companies and plans are numerous. Pet owners should feel confident about finding the one that works best for their needs. Whether you need preventive care, routine care, or want the peace of mind of having emergency care, you can find a plan that works for you.

Take some time to look through the health-care market for pet policies, and you'll find the one that offers a good balance between costs, savings, and help for your pet. To help determine which pet health insurance plan you and your pet need, take the Wagmo coverage quiz today.