Annual Care Requirements – Why The Fine Print In Your Pet Insurance Plan Matters

In our series – Why The Fine Print In Your Pet Insurance Plan Matters – we are educating customers on loopholes in their dog insurance or cat insurance plans which could cause disappointment in coverage down the line.

You can download our entire Pet Insurance Guide: Why The Fine Print Matters.

Today’s topic: 
Annual Care Requirements

What is this?

Some companies will put a clause in the general requirements section of their policy requiring you to administer and pay for all annual wellness and preventative care advised by your veterinarian, including dental examinations, teeth cleanings, flea/tick/heartworm preventative medications, vaccines, etc.
 

How does this affect you?

Routinely recommended preventative efforts such as vaccines, preventative medications and teeth cleanings can be expensive. A dental cleaning requires your pet to be sedated and can cost anywhere from $150-$350, and that doesn’t include the blood panel required to see if your pet is healthy enough to be sedated.  If you cannot show proof, or if your veterinary records show you didn’t provide the advised vaccinations, preventatives, cleanings or treatments, the pet insurance company can deny your claims or cancel your coverage.
 

Which Pet Insurance Companies Have Annual Care Requirements to Keep Coverage?
 

• Healthy Paws Pet Insurance
• Petplan
• Figo Pet Insurance
• Trupanion
• Pets Best

 

Where does PetFirst stand?

While we do believe that proper preventative and wellness care is important and pivotal to the health of your pet, and we encourage all pet owners to heed the advice their veterinarians provide in regards to this, we do not require pet parents to administer and treat their pets with all preventative care recommendations from their veterinarian, and we will not cancel your pet’s policy or deny a claim based solely on wellness care provided to your pet. 

 

In this series, we deep dive into the other following areas where coverage could be lacking if you have another pet insurance company’s plan:

• Exam or Records Required for Enrollment
• Spay/Neuter Clauses
• Enrollment by Specific Age for Hip Dysplasia Coverage
• Exam Fee Coverage
• Bilateral Conditions
• Holistic/Alternative Therapies
• Vaccinatable Diseases
• Extended Wait Period on Orthopedic Conditions
• Periodontal Disease
• Dermatological Conditions
• Injuries Caused by Housemates
• Aging Ear & Eye Conditions
• Over-Insuring Your Pet
• Medical Prescriptions
• Reimbursement Formula

Now that you’ve done your research on pet healthcare plans, you can see PetFirst provides the most comprehensive, best pet insurance plan for dogs and cats. With no “gotchas” in the fine print, you can rest easy knowing you are able to give your pet the care they need.

How much does pet insurance cost?

In less than 2 minutes, you can get a customized quote for your pet.
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