Are you wondering if it’s too late to get pet insurance for your furry friend after they’ve suffered an injury? The good news is, it’s never too late! In fact, getting pet insurance after an injury can provide peace of mind and financial protection for future incidents.
In this blog post, we’ll explore the options available for obtaining pet insurance after an injury and why it’s important to have coverage in case of unexpected vet bills. Let’s dive in!
What is Pet Insurance?
Pet insurance is a type of insurance that covers your pet in the event that they are injured or become ill. There are different types of pet insurance, so make sure to read the policy carefully before buying it. Each policy will have specific coverage and exclusions.
The most common type of pet insurance is called “collateral” insurance. This type of policy will cover your pet if you are unable to pay for their medical bills. Collateral insurance is usually cheaper than “non-collateral” insurance, which pays out if your pet is injured but does not cover medical expenses.
Some policies also offer “per incident” coverage, which covers your pet’s medical expenses for a set amount per occurrence, such as a trip to the vet. “Per incident” policies can be more expensive than “non-collateral” policies, but they may be worth it if you have a high-risk pet that needs to go to the vet frequently.
Some important things to consider when buying pet insurance include: whether your pet has any preexisting conditions; what sort of coverage your pet needs; what deductible you must meetbefore benefits are paid out; and how long the policy lasts.
Types of Coverage
There are a few different types of pet insurance coverage that you may be interested in, depending on your specific needs.
One type of coverage is called “collateral protection.” This type of coverage pays for unexpected fees or costs related to your pet’s injury, such as veterinary bills and boarding fees.
Another type of coverage is called “loss replacement.” This type of coverage pays for the cost of buying a new pet if your current one becomes injured or dies due to an accident.
Finally, some insurers offer “catastrophic” coverage which will cover 100% of all vet expenses and other associated costs if your cat or dog falls ill or is injured beyondrepair.
How Much Does Pet Insurance Cost?
If you have a pet and have been injured by another person or animal, it is important to know what kind of insurance is available to you. Pet insurance can help cover some of the costs associated with veterinary care, including billable time, procedures and medications.
The cost of pet insurance will vary depending on the insurer and the policy type. The average cost for pet insurance premiums in 2017 was $134 per year. However, this cost may increase or decrease depending on your location, age of your pet and other factors. In general, expect to pay around $100 per year for premium coverage with an insurer.
In order to be eligible for pet insurance, you must have a valid policy with the company and proof of coverage must be provided when making a claim. You will also need to submit documentation verifying that your pet has been injured in an accident. Once all of these requirements are met, you can start receiving benefits from your insurer.
What to Do If Your Pet is Injured
If you’re the unfortunate owner of a pet that gets injured, there are a few things you can do to help make the process of recovering as easy and affordable as possible. First, gather all of the documentation you have related to the injury—photos, X-rays, bills, etc.—and bring it with you when meeting with your insurance adjuster. This will help them understand your pet’s injury in detail and ensure that they’re properly reimbursing you for any necessary veterinary care.
Additionally, be sure to keep track of any changes in your pet’s health or behavior after their injury. This information can help your insurer determine if there was an underlying cause for the injury, and whether or not coverage is still applicable. If you experience significant financial hardship as a result of your pet’s injury, don’t hesitate to seek out assistance from Friends of Pets. They provide grants and other support services to pet owners who need assistance recovering from an accident or illness.
How to File a Claim
If you have been injured by a pet, you may be eligible to file a claim with your insurance company. The following tips will help you file your claim and get the most out of your insurance coverage:
1. Know What To File: If you have been injured as a result of an animal attack or negligence on the part of the pet owner, you should file a personal injury claim. Other types of claims, such as property damage, may not be covered.
2. Document The Incident: Take photos and video footage if possible documenting the event that caused your injury. This will help support your case if there is a dispute over who was at fault for the accident.
3. Get Medical Evidence: If you are hurt in an accident with a pet, make sure to get medical documentation from your doctor verifying that you were injured as a result of the pets actions. This information can be helpful in proving liability on the part of the pet owner.
4. Get Expert Opinion: If there is any question about whether or not your injuries fall within the scope of coverage offered by your insurance policy, it is important to seek professional advice. An attorney or other expert can provide clarity and certainty about what kind of claim is valid under your policy terms and conditions
Conclusion
After an injury, pet insurance may be a valuable consideration. Not only does it provide financial security for your animal when something happens such as an illness or accident, but it can also help cover veterinary expenses and other costs related to the pet’s care. Compare rates and read the Fine Print before you buy to make sure that what you are getting is comprehensive enough for your needs.