Pet Insurance

Pet Insurance Providers:
Some popular pet insurance companies include ASPCA, Banfield, Embrace, Healthy Paws, Lemonade, Nationwide, Petco, Trupanion, and more. You can also check with your auto or home insurance provider to see if they offer pet insurance.

How Pet Insurance Works:
Pet insurance is typically reimbursement-based. You pay for your vet visit upfront and then file a claim for eligible expenses. When choosing a policy, you’ll select a deductible, reimbursement percentage, and annual limit, all of which affect your premium and coverage.

What Pet Insurance Covers:
Coverage varies by plan:

• Accident-only: Covers vet costs for accidents like swallowed objects, bites, or broken bones.
• Comprehensive plan: Includes accidents and illnesses like allergies, cancer, surgeries, and more.
• Wellness plan: Covers preventative care like vaccines, dental cleanings, and checkups.

Pre-existing Conditions:
Most pet insurance providers don’t cover pre-existing conditions, including diagnosed or symptomatic conditions. Some may cover curable conditions after a waiting period of 6-12 months if there’s no recurrence.

When to Get Pet Insurance:
We recommend getting pet insurance while your pet is young and healthy. Please note that Healdsburg Veterinary Hospital doesn’t handle insurance disputes or alter medical records for coverage purposes.

Waiting Periods:
Pet insurance plans usually have a waiting period before coverage begins. For example, a 14-day waiting period for illnesses means you won’t be reimbursed for illness-related visits until after that period. The sooner you get coverage, the sooner you may be eligible for claims, including for pre-existing conditions.