If you’re considering the type of insurance in North Carolina you should get, you won’t want to miss out on pet insurance. You may have heard about life insurance in NC and health insurance in NC, but pet insurance is something many people don’t know enough about. 

What is Pet Insurance?

Pet insurance is a pet healthcare policy that reimburses you for medical costs related to your pet. With pet insurance, you can avoid paying the high cost of medical care and have peace of mind knowing that your pet will get the help needed in case something goes wrong. It’s important to check what illnesses/accidents are covered in your pet insurance plan so that you have a clear idea of what expenses will be reimbursed.

Pet insurance plans typically require monthly premium amounts to be paid, which you can claim reimbursement for in case the event insured against occurs. You will, however, have to make the initial payment yourself and then make a claim to be reimbursed.

Pet insurance coverage can be of 3 types:

  • Accident coverage includes broken bones, torn ligaments, bite wounds, and other accident-related injuries
  • Illness coverage includes arthritis, allergies, cancer, and other illnesses, but excludes any pre-existing health conditions
  • Wellness coverage can be opted for and may include:
    • Annual examinations
    • Spaying/neutering
    • Fecal testing
    • Blood panels 
    • Dental cleaning
    • Regular vaccinations 
    • Flea/tick treatments 

The amount to be paid as insurance premium usually depends on certain factors such as:

  • Species 
  • Breed 
  • Age 

Why Should You Get Pet Insurance?

  • You get to choose your veterinarian

When you choose health insurance in NC, your options are limited to healthcare providers that accept that form of insurance. However, when it comes to pet insurance, you have the freedom to choose a veterinarian you want. All you have to do is show the bill you paid at the veterinary hospital to the insurance firm when you make a claim for reimbursement.

  • You can budget the cost of pet care

You can choose a pet insurance policy that requires payment on a monthly, quarterly, semi-annual, or annual basis. You can choose a plan that you think will be the best alternative for you. You can even get discounts on plans for other pets in the house in certain cases. You get to choose from flexible packages offered with regard to annual maximum package, reimbursement percentage, or deductible for a range of services.

  • You can save

When you choose pet insurance, you get to make savings in the long run without having to rely on the emergency fund in the family. Accidents can occur at any point in time and you need to be prepared to pay for your pet’s expenses if they occur without other aspects of your life taking a blow. While you may think a savings account will be enough to save up for such circumstances, nothing beats the security that comes with having a solid pet insurance plan.

  • You can give your pet the best treatment

When you have a pet insurance plan, you can ensure your best gets the best treatment instead of just settling for what you can afford. Knowing this can provide you with peace of mind when it comes to pet care.

Pet insurance is just 1 type of insurance in North Carolina that we offer. We also offer vision insurance in NC, health insurance, life insurance, disability insurance in NC, among others.