Pet insurance will come in handy when your cute pet gets into unforeseen event in the future. This events may be loss, theft, accident, illness, epidemics and more. This events may come with extra burden that you didn't budget for. The result for this is extra cost that you will be forced to deep in your pocket, creating a dent in your finances. Below you will see list of major pet insurance that will be offered in the market. They will help you get through when the unforeseen come forth.
1. Holistic therapy coverage.
The Holistic therapy coverage is an insurance cover that will enable the pet owner to be shielded from expenses that will arise from therapies such as Acupressure, Acupuncture or hydrotherapy to enable them recover from illness or general well being for healthier lives.
2. Hip dysplasia coverage
Hip dysplasia cover will cover medical expenses that will be related to treatment of hip dysplasia condition. Hip dysplasia is condition that will affect some pets like dogs and cats during growth. Hip dysplasia affect the ball and socket where they will loosen and result in dysfunction and pain to the pet.
3. Cancer coverage
The cancer coverage will cover treatment and diagnosis of cancer disease.
4. Emergency coverage
Emergency cover will insure your pet against emergency visits to a vet for treatment they require.
5. Breeding coverage
Breeding insurance will cover the mum and the pups or litter throughout pregnancy, breeding, whelping or nursing.
6. Time-limited coverage
Time-limited coverage insurance will cover your pet against accident and illness for a limited time. This insurance is time restricted, benefits will be offered for a fixed time and within the specified time. After the time expiry you will not be able to claim the policy.
7. Routine care coverage
The routine care policy will cover your pet for routine visits to a vet this may be vaccine, annual examination, routine cleaning, dental cleaning and more.
8. Alternate therapy coverage
The alternate therapy coverage will cover your pet against treatment and therapies that may go beyond normal treatment to help your pet recover. This therapies may be laser treatment, acupuncture, hydrotherapy, acupuncture, physiotherapy, homeopathic or chiropractic.
9. Inherited/congenital condition coverage
The inherited condition coverage is a policy that will protect your pet against disease, gene defects or conditions that will pass from the parents to its offspring. This conditions may be kidney disease, diabetes, heart anomalies, arthritis, eye anomalies, and more.
10. Loss of pet coverage
The loss of pet policy cover your pet against untimely loss/death of your insured pet, from events such as disease, euthanasia or epidemics.
11. Rehabilitation coverage
Rehabilitation pet coverage policy will cover the diagnosis and management of pets. This visits to the vet will cover pet with painful or conditions that functionally limits the pet from normal pet life. This may be for recovery from surgery or injury, regain or maintain mobility and so on.
12. End-of-life care coverage
end-of-life care cover, also known as palliative care or hospice care, is a policy that will insure your pet against terminal illness where cure is not possible. The cover mostly covers cost from pets medication, dietary or human interaction during its final days or weeks.
13. Specialist coverage
The specialist coverage, this policy will cover your pet against referral that will come from normal vet to a specialist for specialized treatment or check up.
14. Adventure sports coverage
The Adventure sports cover this policy will cover your pet while it engages with non-professional activities, where adventure and sport are for leisure only. These activities maybe flyball, Dock jumping, skijoring, scent tracking, and more as leisure activities.
15. Lifetime coverage
The life time insurance this policy covers your pet against accident and illness throughout its life, year after year.
16. Comprehensive coverage
The comprehensive coverage policy will cover a wide array and types of events that may happen to your pet. This will range from accidents and illness treatments, diagnostic and laboratory fees and more that your pet will need to receive for it treatment and care.
17. Liability coverage
The liability coverage is a form of a third party coverage that will insure you / pet-owner against damages or injuries caused by your pet. This may be medical expenses, legal cost or property damaged caused by your pet.
18. Accommodations for disabled pets cover
The accommodation for disabled pet policy covers the pet and pet-owner from cost that will be realized as a result of expenses for provision for pet to enable them to have a comfortable life.
Example. Costs realized from buying a wheelchair for a disabled pet. Buying hearing assistant machine for a hearing disabled pet.
19. Behavioral therapy coverage
The behavioral therapy policy covers your pets for mental health and treatment for disorders that may affect your pet.
20. Dental coverage
The dental coverage can also be broken into two policy categories, this are: dental accidents and dental illnesses. Generally this cover will cover your pets' teeth from accidental or injury. This may be dental illness, teeth extractions, teeth reconstructions or other aspects of oral health care E.g. teeth cleaning or adjustments.
21. Prescription drug coverage
The prescription drug coverage will cover just about most or all prescribed medication for your pet by a vet.
22. Chronic condition coverage
The chronic condition coverage will cover conditions that can last over your pests' lifetime. This diseases may be diabetes, asthma, atopy, allergies and more.
23. Travel coverage
This insurance cover covers loss, death, accidents or illnesses of an animal that may arise during the trip.
24. Per-incident coverage
The per-incident cover is a policy that require the pet owner to pay deductibles amount for each illness or condition you claim over the period.
Example of this is when your dog requires a surgery. The surgery cost $3,000 while deductible for this is $500, then you will be required to pay $500 for the full amount for surgery to be settled. In the event another event occurs then the another deductible will have to be contributed by you for that event to be settled by the policy. as the name suggest its per-incident cover policy.
25. Wellness coverage
The wellness cover is a policy that will cover your pet for routine check up and visits to the vet that that are planned. This vary from vaccinations, wellness exams, deworming and more.
26. Accident-only coverage
The accident-only coverage policy cover will cover your pet against sudden accidental event occurrence. This may be poisoning, broken bones, open or torn ligaments or other accident related event.
27. Advertising and reward coverage
The Advertising and reward cover policy will cover cost that will come as a result of publicizing campaigns or reward or compensation for anyone who will return the missing pet back to you.
28. Examination fees coverage
The examination fees cover will cover the cost for vet visits, appointments or physical examination of the pets.
29. Working dog coverage
The working dog coverage is a policy that will cover a dog engaging in work. Example a security dog, sheep dog, search and rescue dog, gun dog, hunting dogs and much more.
Having a pet insurance is a great way of ensuring your pet has a way to live by ensuring proper care is given to them. This will allow them be more happier and healthier. However different jurisdictions and companies may offer the above insurance covers in different name or offer them as a package. It is advisable to go through the fine print of the insurance document, comprehend and ensure the insurance will cover the right intended item you wished to be covered against.
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