If you have a pet in your life, they’re probably considered part of your family. Because you care about them and their wellbeing, you want to ensure they’re healthy and safe. One of the ways you can do that is through pet insurance if they need additional care or become ill or injured. If you’re in the Tampa, FL area, Morgan Insurance Services can help you get the insurance policy you need for your pet and for your own peace of mind in keeping them safe for the future.
An insurance policy on your pet generally covers issues such as serious accidents or life-threatening illnesses. It can also help with chronic conditions or ongoing problems resulting from an accident. The kind of policy you get for your pet will depend on several factors. The kind of pet you have, their age, size, and whether they’re currently healthy may all be important. To find the right policy, it’s best to work with a knowledgeable agent who can give you options and answer your questions.
While medical care for a pet isn’t generally comparable to care for a person, some illnesses and conditions can come close. You want to be sure your pet has plenty of coverage and that you can give them the best care if something goes wrong with their health. We can help you locate the best pet policy for your specific needs in the Tampa, FL area or combine options if you have more than one pet you want to cover.
Reach out to us today at Morgan Insurance Services, and let us help you learn more about pet insurance. Understanding what it offers and how it can protect you and your pet will help you choose the best policy for your needs.
The agents at Morgan Insurance Services know how much residents in the Tampa, FL area love their furry friends. Pet insurance is one way to help keep pets healthy and keep pet owners from having to pay large medical bills. Knowing which policy is best for you and your pet can be confusing. Below are the important questions to ask before purchasing pet insurance.
Can I keep my current pet care provider?
If you love your current veterinarian practice, it is critical to find out if the plan will cover your vet. In addition to checking with the insurance carrier, you will want to check with your vet to confirm they will accept the insurance.
What is the deductible?
Most insurance companies will offer various deductible amounts. You will want to review the different options available and decide which level of deductible makes the best sense for you.
Are there exclusions?
All insurance policies have certain incidents that the policy will not cover and it is extremely important to know what is excluded under your policy. For example, if your pet has a preexisting condition, it will probably not be covered. There are also various add-on coverages that you can purchase.
Is there a waiting period before coverage will start?
Many policies will have a 30 day waiting period prior to the coverage taking effect. Each carrier can vary on how long the waiting period will be.
Does it cover routine care?
Many policies do not cover routine care. If routine care is an important feature to you, make sure you are purchasing a comprehensive plan with this coverage.
Is there an age limit?
Many companies will not offer insurance to aging pets. It is important to purchase the coverage when the pet is younger so that you will be offered renewals as the pet ages.
If you live in the Tampa, FL area and would like to learn more about pet insurance plans, reach out to an agent at Morgan Insurance Services today.
Owning a pet or pets in your Tampa, FL home means being fully responsible for anything that they cause. In simple terms, you will be held liable if your pet injures, damages other people’s property, or if it becomes sick. That means pet insurance could be beneficial. Pet insurance protects you from financial loss in the form of medical bills and liability. At Morgan Insurance Services, we can help you find a policy that fits your needs.
What does pet insurance cover?
Remember, not all animals are regarded as pets. If you keep cows and goats for your farm, they are not regarded as pets. Any animal kept for commercial purposes is typically not covered. Pet insurance policies can cover the following:
- Purchasing price in case your pet dies due to accidents.
- Medical treatment for your pet in case it suffers injuries or illness.
- An element of third party liability that is only applicable to dogs for injuries to other parties or damage to property.
What is excluded?
While pet insurance is designed to protect you from financial loss, you need to understand that not all risks are covered. Pet insurance is mostly known to cover accidents and illnesses that your pet may suffer while living with you. This excludes everyday things such as:
- Dental diseases
- Behavior issues
- Preventative care and routine check-ups
- Hip dysplasia
- Hereditary or pre-existing conditions.
If you suspect or found out that your pet is susceptible to the above things, you may want to financially prepare yourself to buy more coverage, especially if it is a curable condition.
What affects insurance premiums
There is no exact amount of coverage designed for pets as insurance needs vary from one pet owner to another. If you are looking for comprehensive pet insurance coverage, it is important to work with an agency that specializes in pets.
For more information about pet insurance, contact Morgan Insurance Services in Tampa, FL today!