For the people who own pets, their four-legged friends become a part of their families. If your pet suffers from an injury or illness, you want to take care of them without having to spend a fortune on costly treatments. Veterinary bills can make a dent in your finances, so having a plan for unexpected costs is important. This is where Pet Insurance comes to play.

There are four different types of pet insurance, including accident only, time limited, per condition, and lifetime coverage. Accident only insurance provides coverage in the event your pet suffers an injury as a result of an accident. Time limited policies cover accidents or short-term illnesses for a set time period, which is usually a year. Per condition insurance dedicates a certain sum of money for treatment of each injury or illness, while lifetime insurance, being the priciest out of the mentioned coverages, protects your pet during their whole life.

Despite the differences in the pet insurance types, there are coverages all of them have in common. Those include veterinary fees and coverage of medical treatments, kennel and cattery fees in the event your pet needs recovery, third party liability coverage, and advertising costs. It is important to know your policy well in order to understand what is covered, because different insurers might have exceptions to what they will pay out for. Pet insurance usually does not cover routine checkups, preventative treatments, pre-existing conditions, or behavioral problems.

As with any type of insurance, it is useful to shop around in order to find the best policies and prices for your pet and your budget. Our licensed agents at Team Insurance will help you find the most appropriate policy for your needs.