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Questions to Ask When Considering Which Pet Health Insurance to Buy

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Pet Health Insurance Companies:

  • Embrace
  • Trupanion
  • VPI
  • Pet's Best
  • Hartville
  • Petfirst Healthcare
  • Petplan USA
  • AKC
  • 24PetWatch
  • PurinaCare
  • ASPCA
  • Healthy Paws

Consult your veterinarian for more information.

We all love our pets and many consider their pets to be their furry children.  When they get sick we want to be able to take care of them properly. With technological advances in veterinary medicine, much more is available now in both diagnostics and treatment. Procedures such as MRI's, CAT scans, chemotherapy, and radiation treatment are all common but they can be quite expensive. Many people are now considering pet health insurance to help with the costs. It is important to ask the correct questions when interviewing companies that offer this insurance, so you know what you're getting.

Pet health insurance is different from "human" health insurance in the way that with pets, the doctor is paid first and then the pet owner is reimbursed by the insurance company.  There are twelve companies offering pet health insurance in the United States and they differ in their policies. Other companies offer pet insurance in other countries. Some companies offer different levels of care. There basic plans that cover accidents and illness, as well as premium plans that cover all aspects of health and wellness.

Most plans do not cover pre-existing illnesses, and this may be important in how other symptoms are covered by your plan. If your pet, for instance, has an ear infection in its history, ask if in the future the pet is diagnosed with an allergy, but with other symptoms, if that will be covered. An ear infection is often caused by an allergy. If your cat has been treated in the past for vomiting, and is later diagnosed with another disease that can cause vomiting such as IBD or kidney disease, will that be covered?

Another issue with the pre-existing clause is that it is important to ask if your pet is evaluated for coverage when first obtaining the insurance, or with each renewal.  For instance, if after you get the insurance, it pays for treating your dog's ear infection, will another ear infection treatment be covered next year?

Many plans do not cover "genetic" diseases. With advances in DNA studies, veterinary medicine is discovering more and more diseases are genetic based. It is important to ask what diseases they consider to be genetic for the breed that you own.

Some policies cover only up to a certain age of your pet.  Some do not cover prescription drugs or dental disease. Others have a yearly or lifetime dollar limit.

Most companies have a deductible and then pay a percentage of the bill, usually 80% to 90%.  Some companies have a set dollar reimbursement for each problem or procedure.

Another consideration is whether to obtain a basic or premium plan. It is important to compare the costs of each option.  In many cases, it may be more prudent to purchase the basic coverage.

A small percentage of pets are covered by health insurance at the present time but this is expected to change in the near future. More than 1600 companies, including Google and Office Depot, offer pet health insurance as an optional employee benefit.

Exclusive Offer

Return of the Rattlesnake Vaccination!

South Valley Animal Clinic is excited to announce the return of the Red Rock Biologics Rattlesnake Vaccination!  This vaccination is great for dog's planning on hiking, camping or just exploring the bosque.  Please call our office for scheduling or more information (505) 873-2590. 

THIS ---->https://southvalleyanimalclinic.com/index.php

Business Hours

Day
Monday8:30-12:001:30-5:30
Tuesday8:30-12:001:30-5:30
Wednesday8:30-12:00CLOSED
Thursday8:30-12:001:30-5:30
Friday8:30-12:001:30-5:30
Saturday8:30-12:00CLOSED
SundayCLOSEDCLOSED
Day
Monday Tuesday Wednesday Thursday Friday Saturday Sunday
8:30-12:00 8:30-12:00 8:30-12:00 8:30-12:00 8:30-12:00 8:30-12:00 CLOSED
1:30-5:30 1:30-5:30 CLOSED 1:30-5:30 1:30-5:30 CLOSED CLOSED


South Valley Animal Clinic Joins PACA's New Public Spay/Neuter Program

We are excited to announce our support of the 'Fix the 505' program.  Fix the 505 is a small scale FREE spay/neuter program for low income pet owners.  PACA (People's Anti-Cruelty Association) selected a few local veterinarian clinic's, including South Valley Animal Clinic to participate in this necessary program.  Please watch the short video above or visit http://paca-aar.org/index.php/donate/sponsor-a-spay for more information!

06/01/2015 UPDATE

This program has been restricted to South Valley residents struggling to spay or neuter their pets.  In order to get your pets scheduled, please request a PACA Voucher from The Animal Humane Society or from a Bernalillo County Animal Control officer .  Please call (505) 255-5523 for more information!

Testimonials

Dr. Heite and the rest of SVAC staff, Thank You! From the bottom of our hearts for your AMAZING care for our dogs. You're an awesome team, and we trust you above anyone else to provide immediate, compassionate, and reliable solutions. We cannot begin to thank you for going above and beyond to help Sissy. We know she has an amazing medical team. 

With heartfelt appreciation, Sanchez Family
Albuquerque, NM

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