Pet Insurance Florida

What You Need to Know About Pet Insurance Plans

Woman and her pet

The options for pet insurance are growing every day and the different plans and coverage can be confusing. Here are a few questions you should ask your pet insurance provider to make sure you are best protecting your beloved pet.

What is covered by the pet insurance policy?

The first question to ask is what is covered under the plans available. You will want to review and understand if coverage for hereditary diseases, chronic illnesses, cancer, accidents, and medical conditions that are common to your cat or dog's breed is provided. Treatment for these conditions are generally covered as long as they are not preexisting which is a good reason to get your kitten or puppy insured as soon as possible.

Waiting periods?

As you look into pet insurance, you will want to investigate the waiting periods for accidents or illnesses. Ask your pet insurance provider what the usual waiting period is before your coverage starts. If an illness or injury occurs during that waiting period, your pet will not be covered so it is optimal to have the shortest waiting period available.


Ask what the deductible is and if the deductible is per incident, per claim, per visit, or per year. A deductible calculated per incident means the deductible is payable only once per condition over the lifetime of your policy. A deductible per year is a one-time payment you make each year of the policy. Some providers offer a zero-deductible pet health insurance policy or allow you to set your own deductible. These variables will depend on the provider, but it may save you money and your pet's life.

Payout limits

If you are devoted to your pet's health, the best pet insurance company to pick should not have a payout limit; this ensures that no matter what the cost, the dog or cat will get the veterinary care they need. Some pet insurance policies do have a maximum payout per year. This payout is the most money a company will reimburse a client for each policy year. There are five main types of maximum payouts: per incident, per year, per body system, or lifetime or predetermined benefit schedule. Maximum payout per body system is defined as the maximum amount of money the company will pay for a body system. These systems include, but are not limited to, the musculoskeletal system, the digestive system, the nervous system, or the reproductive systems. The maximum lifetime payout is the most money a provider will pay during the pet's lifetime. The maximum payout based on a predetermined benefit schedule is the most money the company will reimburse, based on a fee structure that is preset. Some pet insurance companies will use only one type of maximum payout plan and others may have different options. For devoted pet lovers, please choose a pet insurance company that does not have a payout limit.

Co-pay or co-insurance

You will also want to ask what the co-payment percentage is. The co-payment is the amount you pay after the deductible has been reached. The best co-pay on the market is currently 10% covered by the pet owner with the pet insurance company covering 90% of the vet bill.

If you have already selected a pet insurance provider and are not sure if you are receiving the most for your money, call your provider to go over this information. If you are not satisfied, ask your provider to make adjustments to your plan to make sure your pet is properly covered. Look for coverage that includes a low deductible, a low co-payment percentage, and no payout limits. Your coverage should include tests and treatment options for accidents, diseases, illnesses, medical conditions specific to your pet's breed and species, and cancer. If you're still not sure you're getting the best coverage, shop around to find a better pet insurance plan that best fits you and your pet's needs.

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Thank you pet lovers of Florida for visiting this website. We hope you and all of the pet owners in Florida will consider pet insurance for your pet.


Sample Claim

As we all know, German Shepherds have a thick, cozy coat which allows them to withstand colder temperatures than our fair-coated furry friends. Unfortunately, this also means that they are more susceptible to the negative effects of warm temperatures and Zeus is a prime example.

Zeus the German Shepherd who lives in the south recently had a trip to the veterinarian because of heat stroke. The 3-year-old dog spent 10 days at the clinic receiving care for kidney failure and disseminated intravascular coagulation (DIC). DIC is a condition in which the proteins and platelets coagulate within the blood stream, causing small blood clots throughout the body.

Fortunately Zeus survived the ordeal, but this claim is an important reminder to provide a cool safe-haven for pets during the heat of summer and to never leave pets in cars, even if the windows are cracked.

Total claim amount: $6,473.66
Deductible applied: -$100.00
Exam fees: -$131.25
Unrelated costs (food): -$69.70
10% co-insurance: -$617.27
Insurance company repaid: $5,555.44