The maximum amount an insurance provider will pay on a claim. Limits are used to decrease the financial impact of large claims on insurance providers. Different pet insurance providers have different payout limits. Some offer set limits that they’ll pay per year, which means you will have to cover any costs beyond that limit. This can result in thousands of dollars out of your pocket. Other providers have no limits, which means they will never stop paying for your pet’s care.
A domestic cat or dog owned for companionship or as a service dog.
Pet owner responsibility
Most pet insurance providers expect you to provide proper care for your pet. It is your responsibility to protect your pet from aggravating an illness or injury. It is also your responsibility to provide proper preventive care, such as scheduling annual exams, getting all veterinarian-recommended vaccinations, following veterinarian dental care recommendations, and administering medication as prescribed by your veterinarian.
Platelet rich plasma injection
Better known as PRP, this non-surgical therapy involves injecting a concentrated mixture of the patient’s own blood to stimulate the healing of bone and soft tissue. Platelet-rich plasma is blood plasma enriched with platelets. As a concentrated source of autologous platelets, PRP contains (and releases through degranulation) several different growth factors and other cytokines that stimulate healing of bone and soft tissue.
The written contract between you (the policyholder) and your insurance provider.
Polyethylene glycol (medication)
More commonly known as PEG, this intravenous medication is used to treat dogs with acute weakness or paralyzed limbs. PEG seals the ruptures in damaged nerve cells and prevents nerve cells from dying. If nerve cell death occurs, more permanent mobility issues or paralysis can follow. Pets treated appropriately with PEG showed significant mobility improvement within a few days to two weeks.
A process done during critical situations when a pet owner is not sure if they can afford the treatment that needs to be performed by the veterinarian. Prior to treatment, you can get a preapproval to determine if diagnostic testing, medical treatment, surgery, or medication is covered by your policy.
No pet insurance company currently covers pre-existing conditions, but each company defines pre-existing conditions differently. Make sure you understand how each company identifies a pre-existing condition and how they may decide if it relates to a future claim. Even if your pet has a pre-existing condition like allergies or chronic ear infections, they still may be a good candidate for insurance if they develop an unrelated condition down the road.
Your premium is the monthly cost you pay every month for pet insurance. Companies price your premium based on factors like your pet’s age at enrollment, where you live, and the breed of your pet.
Routine medical care, also known as wellness, that you and your veterinarian can expect throughout the lifetime of their pet. Preventive care includes spaying/neutering, annual exams, vaccinations, deworming, routine testing, and dental checkups.
A diet formulated to help treat a medical condition. The diet must be prescribed and dispensed by your veterinarian. Therapeutic diets do not include general maintenance diets, puppy or kitten diets, homemade diets, or raw food diets (even if prescribed and dispensed by a veterinarian). Also referred to as a therapeutic diet.
The scaling, cleaning, and polishing of your pet’s teeth.
Used to replace a missing leg or portion of a leg. This device helps your dog or cat to maintain the same level of activity as a pet with all four legs.
Puppies are curious creatures and you might be surprised at how many visits to the veterinarian you make with a young dog. Consider purchasing insurance for your dog while they are still a young, healthy puppy to avoid developing any pre-existing conditions excluded from your insurance plan. Because of their curious and rambunctious nature, younger pets have the highest frequency of claims. You’ll likely pay a lower monthly premium if you enroll your puppy between the ages of 8 weeks and 1 year.