Payment Options & Insurance

Pet insurance pays, partially or completely, for veterinary treatment of the insured person’s ill or injured pet. Some policies will pay out when the pet dies, or if it is lost or stolen.

The market for pet insurance has increased with the expense of medical techniques, medicines, and the higher standard of care owners have for their pets. Pet insurance companies are beginning to offer the pet owner more of an ability to customize their coverage by allowing them to choose their level of deductible or co-insurance. This allows the pet owner to control their monthly premium and choose the level of coverage that suits them the best.

Some of the differences in insurance coverage are:

• Whether congenital and hereditary conditions (like hip dysplasia, heart defects, eye cataracts, or diabetes) are covered.
• How the reimbursement is calculated (based on the actual vet bill, a benefit schedule, or usual and customary rates).
• Whether the deductible is on a per-incident or an annual basis.
• Whether there are any limits or caps applied (per incident, per year, age, or over the pet’s lifetime).
• Whether there is an annual contract that determines anything diagnosed in the previous year of coverage is considered pre-existing the next year.

For additional pet insurance information, call Alamo Dog & Cat Hospital at 210-922-1231 today.