Veterinary medicine can do a great deal more than it used to, and it costs accordingly. A torn ligament, a swallowed sock, a cancer diagnosis: any one of them can run into the thousands. Pet insurance exists so the decision in the exam room is about what is best for the animal rather than what you can find on short notice.
What it generally helps with: accidents such as broken bones, swallowed objects, bites and cuts. Illness, from infections and digestive trouble to cancer and chronic conditions. Diagnostics like x-rays, bloodwork and ultrasound. Surgery and hospital stays. Prescriptions. Routine and wellness care, on the plans that include it.
How it works: most pet plans reimburse you rather than pay the vet directly. You pay at the clinic, submit the bill, and get a percentage back after the deductible. You keep your own vet. There is no network to worry about.
Worth knowing before you buy: pre-existing conditions are generally not covered, which is why the time to insure an animal is while it is young and healthy rather than after something turns up. Some breeds carry known hereditary conditions that are treated differently. And there is usually a short waiting period after the policy starts before you can claim.
Call and tell us about your dog or cat, breed and age, and we will lay out what the options look like. Laurel 601-428-1146. Waynesboro 601-735-6644. Collins 601-765-0408.