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Pet Insurance Explained


 

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Did You Know?
  • Many employers are starting to offer pet insurance as an employee benefit. Ask your employer for more information. Some companies will even pay for part of the monthly premium.
  • It is easier to insure a pet when they are younger and healthy.
  • Some adoption agencies offer a free first month of pet insurance when you adopt a pet.
As the amount of money spent on pet healthcare increases steadily at an estimated rate of 40% a year, and as pets become more like family, owners are looking to spend more on their pet's health. Pet owners also want to have their pets covered by insurance.

Some basic plans start at $10.00 a month, while more extravagant plans cost upward of $400.00 a month. Since no two pet insurance plans are exactly the same, you should research each policy before making a choice that best fits your needs. The following questions are important to keep in mind when determining if pet insurance is worth the expense:

What's covered? Look over several plans from different companies before making a provider selection. Make sure the plan you choose defines clearly what is and what is not covered. For some pet owners, pet insurance is a safeguard for future catastrophes, such as sudden accidents or the emergence of a serious illness. For others, the coverage they choose applies to every vet visit, including checkups.

What's not covered? There is more to picking insurance plans then finding out what is covered by insurance. You need to also know what is not covered so you can compare plans to one another and so you are prepared when your pet needs a test or procedure that is not covered.

Are hereditary illnesses and conditions covered? If you own a purebred animal, they may be prone to a breed specific condition. For example, German Shepard's are likely to develop hip dysphasia, and Labrador's are often inflicted with eye problems.

What's the deductible? Is there a co-pay? Be sure to understand what you are expected to pay for and exactly how much. You don't want to pick an insurance that covers little if anything.

What (if any) is the age limit for a pet to be covered? The best time to purchase pet insurance is when your pet is just a puppy. As pets get older they require more care, especially later in their lives, and the premium goes through the roof or coverage no longer exists.

So who is pet insurance for? Pet insurance is best suited for pets that are young and healthy. Pet insurance is also a good investment if you:

  • Have multiple pets
  • Take in stray animals to help shelters
  • Breed dogs
  • Take your pet with you on vacation
The otherwise healthy dog. Many dogs can live long accident free lives today, but no owner can guarantee their canine companion will never have an accident such as eating a sock, swallowing a rock, or even getting hit by a car in the driveway.

How most insurances work: Unlike human health insurance, most pet insurance companies require you to pay the entire veterinarian bill at the time of service. You as the owner are then responsible to turn over itemized bills or invoices from us, your veterinarian, to the pet insurance company for reimbursement of qualified costs.

The best way to find the right pet insurance for you and your family should start with researching some reputable pet insurance companies. Ask for detailed plan information and price quotes.

Remember, pet insurance is not a necessity, and if you choose not to get insurance for your pet you are still a great pet parent!


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Exclusive Offer

AAHA Accredited

New clients receive 15% OFF first visit.

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Office Hours

DayOpenClosed
Monday7:30 AM6:00 PM
Tuesday7:30 AM6:00 PM
Wednesday7:30 AM6:00 PM
Thursday7:30 AM6:00 PM
Friday7:30 AM6:00 PM
Saturday7:30 AM5:00 PM
SundayClosedClosed
Day Open Closed
Monday Tuesday Wednesday Thursday Friday Saturday Sunday
7:30 AM 7:30 AM 7:30 AM 7:30 AM 7:30 AM 7:30 AM Closed
6:00 PM 6:00 PM 6:00 PM 6:00 PM 6:00 PM 5:00 PM Closed

Testimonials

  •           8/29/2017

    I love Balboa Pet Hospital! Balboa Pet Hospital's staff is amazing! The staff is knowledgeable, caring and above all honest! I feel confident that my pets are getting the best possible care there. The staff has always taken time to answer all of my questions and if I think of something after my appointment, I can just email! I know I won’t have to wait too long for response.

    Unfortunately, this year I’ve had to make some really difficult decisions. The compassion the staff showed to both my pet and I made these unbearable times tolerable. I am indebted to both Dr. Del Rosso and (the wonderful) Dr. Ravn for their kindness, compassion and dedication.

    If you are new to the area or just looking for a new vet, please give Balboa pet Hospital a call!

  •           6/5/2017

    LOVE everything about this place!!! The people are all super nice & caring. I never feel like they’re trying to sell me stuff I don’t need. The vets (especially Dr. Alice Chan) are wonderful, I always fee; comfortable coming here whenever Walle has an issue. They even help me file the insurance claims after each visit! Would highly recommended any pet owners to see them for their fur-baby needs.

  •           6/5/2017

    My dog has been a regular patient since 7 years ago. Once in a while we visit other hospitals due to time conflicts. However, we always go back to Balboa Pet Hospital. My dog has bad allergy and the doctors and assistants always follow up with us after the treatments or visits, help us submit the insurance claims. It’s not a cheapest place to go but their patience and caring are irreplaceable.

  •           4/28/2017

    I’m glad to have found Balboa Pet Hospital near my home. It’s definitely a hidden gem! Dr. Chan saw my dog, Oreo, for her skin problem last week, and my three cats, Pepper, Tofu and Cola, today for annual check-up. She’s very patient (especially with Oreo who’s shy to strangers), knowledgeable and approachable. The front staffs are also very friendly and helpful. They are so prompt to reply my email (within a few hours when I checked back my mailbox). All my pets are about 1-year-old and I’ll definitely bring them here for their health issues/checkup in many years followed.

  •           5/4/2017

    Brought my dog here for a checkup and some minor concerns. Dr. Chan was very professional. She got my dog the treatment he needed and answered all my questions regarding my concerns. The rest of the staff were very friendly and gentle with my dog. You could tell that the staff are genuine animal lovers; definitely something you want when you entrust the health of your pet to someone.

  •           5 of 5

    Been bringing our animals to Balboa for over 25 years and will continue because they provide great advice and care. We love Dr. D and staff are really helpful and friendly. Now if I can find medical care for myself like my animals get at Balboa...

  •           5 of 5

    I have been a patron of Balboa Pet Hospital for almost 500 years now (wink). I love Everybody there and feel they are have always been a great resource and the BEST support system for everything pertaining to my pets.

  •          

    The staff is very kind and gentle, the doctors are very caring and patient when dealing with my scared cat Lulu. I appreciate the time they took to put her at ease and making this procedure as painless as possible for the both of us. Will definitely be spreading the word. Thank you Balboa Pet Hospital.

    Linda P.

    San Francisco, CA

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