Does pet insurance cover emergency visits?

Yes, many pet insurance plans typically help cover emergency visits, but coverages vary depending on the specific policy you have. It's essential to review your pet insurance policy before using it and be aware of any waiting periods or other policy limitations.

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What type of emergency care will pet insurance cover?

Expenses for most emergency treatments are covered up to a certain amount after you meet your deductible. Covered expenses can include:

  • Diagnostic procedures, such as X-rays or blood work
  • Overnight hospitalization
  • Surgery
  • Prescription medications
  • Follow-up visits
  • Rehabilitation

How much will pet insurance cover for emergency vet bills?

Your pet insurance policy will reimburse you for a percentage of the emergency vet bill according to the terms of your specific policy. You'll most likely be required to pay the veterinary bill upfront and then file a claim to receive the reimbursement from the pet insurance company afterward.

Pro tip:

Refer to your pet insurance policy to understand coverage limits for emergency visits to ensure your bill doesn't exceed the annual limit.

Pet insurance for emergency care

Pets Best offers pet insurance that covers emergency visits. The Pets Best Accident Only and Illness Plans cover conditions that typically require an emergency vet visit, including:

  • Broken bones
  • Accidental poisoning
  • Lacerations
  • Ingestion of foreign objects

When is the best time to get pet insurance?

You'll want to get pet insurance as soon as you bring your new pet home, since your cat or dog may need emergency care at some point. If you try to get pet insurance during an emergency, it will be too late. Pet insurance does not cover pre-existing conditions, and there is typically a pet insurance waiting period after you purchase it before it becomes active. Remember that your policy will not cover an emergency that occurred before you bought the policy.

Does pet insurance cover emergency surgery?

If you have a comprehensive pet insurance policy or an accident-only policy, either of these should cover a medically necessary emergency surgery for your pet.

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