Does Pet Insurance Cover Routine Visits
According to the 2009-2010 National Pet Owners Survey, about one-third of American households have a cat and almost 40 percent have a dog. Based on these statistics, it's no surprise that owners may be interested in learning more about pet insurance.
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Identification
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Pet insurance is similar to health insurance for humans. It provides coverage for a range of medical care and treatments, depending on the policy you purchase. Plans can be designated for accidents only or as comprehensive.
Function
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Although pet insurance plans can provide coverage for routine veterinary visits, it is often limited. For example, the insurance offered by the American Society for the Prevention of Cruelty to Animals provides for only one annual physical; Veterinary Pet Insurance (VPI) provides coverage for routine visits only if you purchase a supplemental plan as an add-on to the primary policy. Pet insurance is typically designed to provide financial coverage for illnesses, accidents and emergencies.
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Considerations
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Be sure to consider your needs before purchasing a pet insurance policy. If you're looking primarily for assistance with routine checkups, these plans are not likely to provide much coverage. It's also important to remember that pet insurance companies may not cover --- or may charge high premiums for --- animals with pre-existing conditions or that are considered old.
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