3 Key Things to Know before buying Pet Insurance in the Cleveland, Ohio area

Pet insurance is one way to prepare for a future medical emergency. It can ensure the ability to pay for the medical attention a 4-legged, family member requires. Pet insurance can be used with Big Creek Pet Hospital or another veterinary professional, like a veterinary emergency clinic. Continue reading →

Sep 16, 2015 /prREACH/ -- Pet insurance is one way to prepare for a future medical emergency. It can ensure the ability to pay for the medical attention a 4-legged, family member requires. Pet insurance can be used with BCPH or another veterinary professional, like a veterinary emergency clinic.

Big Creek Pet Hospital has treated thousands of furry family members in Cleveland, Ohio. Sadly some of the beloved pets have been euthanized because owners could not afford the treatment when they became critically ill or injured.

Pet insurance might have allowed the owners to save a furry friend. Unfortunately, searching for Cleveland-area pet insurance can be confusing and frustrating. Consider these three key things before purchasing pet insurance locally.

First, unlike health insurance, pet insurance is a reimbursement system. The bill is paid, the claim is submitted, and finally, the claimant gets reimbursed. The amount of reimbursed depends the plan’s co-pay, deductibles, and “covered benefits”. Second, make sure the plan covers these four elements:

i. Medical Conditions Common to a Pet's Breed & Species

ii. Coverage for Hereditary & Congenital Diseases

iii. Coverage for Cancer

iv. Initial & Continued Coverage for Chronic Disease

Finally, the cost of pet insurance in the Cleveland area can vary considerably depending on 6 factors that include: species, age, gender, breed, plan coverage and financial benefits.

Here are some things that a typical Cleveland area pet insurance company will not cover, and fortunately most of these exclusions affect only a small number of pets.

Pre- existing conditions Prosthetic limbs and devices including mobility aids Breeding, whelping, and pregnancy. Injury caused deliberately by any person or other pet residing in the pet’s home. Injury or illness resulting from fighting, racing, cruelty, or neglect. Cosmetic procedures such as tail docking, ear cropping, and dew claw removal (although covered when medically necessary) DNA testing or cloning Organ transplants Stem cell therapy not deemed medically necessary Avian Flu or Nuclear War Treatment for an illness related to the teeth and/or gums

If there are more questions about buying pet insurance in Cleveland, Ohio, or veterinary care for a pet, please call Big Creek Pet Hospital 440-234-5831.

P.S

Here are links to more information about pet insurance and alternatives to pet insurance. Pet Insurance information for you