Medical Prescriptions – 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: 
Medical Prescriptions

What is this?

With varying ailments your pet can suffer, it’s a high likelihood they will be given or prescribed medication to help treat whatever health issue they may have. Whether it is an antibiotic, pain reliever, allergy shot, anxiety pills, insulin, blood pressure medicine, etc. – there are some pet insurance companies that do not cover these, or will only cover the initial dose given by the veterinarian.
 

How does this affect you?

Sometimes it isn’t the veterinarian visit and diagnosis that racks up the high cost – it can be medications too. For example, a 30-day supply of Atopica, which is used to treat skin allergies, can cost $137.48 – that is $1,649.76 a year. ProZinc, an insulin for cats managing diabetes, can cost $172.49 for 40 units per mL. So, it can last varyingly based on your pet’s weight, but will average $2,069.88.
 
Not having coverage for medications means you will have to foot the entire bill. With a pet insurance plan, you could be reimbursed up to 90% of your expenses. This means you could get back $1,484.78 back on a year’s worth of Atopica – making your out-of-pocket cost $164.98, not $1,649.76 for those that do not have coverage for medications. Those with cats on ProZinc could get back $1,862.89 – making your out-of-pocket cost $206.99, not $2,069.88 for those without medication and prescription coverage.
 

Which Pet Insurance Companies Do Not Cover Prescription Medications:
 

• PetsBest

Where does PetFirst stand?

PetFirst provides coverage and reimbursement for prescriptions and medications for coverable conditions. Whether they are administered by a veterinarian, or are sent home to be given doses over the next couple days, or the rest of the pet’s life – PetFirst will reimburse for pills, injections, liquid medications, compounds and more. 

 

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
• Annual Care Requirements
• 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
• 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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