They say everything’s bigger in Texas, and while that may be true of veterinary costs, that doesn’t have to be the case when it comes to getting quality insurance for your pet. In Texas, many pets aren’t just family companions, but double as working pets, so it’s important to make sure that an unexpected veterinary visit doesn’t leave you blindsided. Texas’s blend of city and country lifestyles makes a state profile of breeds ranging from small to large, and like the pets they cover, each insurance policy is unique. Health insurance policies for pets are comparable to human health insurance policies in that they include deductibles, annual premiums, co-pays, and caps. Typically, coverage costs are calculated through a combination of the health profile of your pet, their age, and the level of care you want to provide for the animal.
There are “4 Cs” that pet owners should take into consideration when shopping around for an insurance policy: coverage, cost, customer satisfaction, and company. As with any major insurance policy, the core “C” to be considered is the coverage—make sure that your coverage has provisions for any condition or health issue your pet may encounter during their lifetime. For example: many Texans own large breed working dogs, and these large working breeds are often susceptible to dysplasia of the hips or elbow joints, as well as torn ligaments. By making sure that your insurance policy provides coverage for these conditions, you’re investing in your pet’s future health in a meaningful way. Most coverage packages offer options ranging from accident-only coverage and wellness care plans to mixed coverage covering both accident and illness.
Details vary by company and plan, so when exploring your options, make sure to get the nitty-gritty on annual limits, coverage, waiting periods, and exclusions. Like coverage, costs vary depending on a number of factors, including type of pet, size, and age. As an example, insuring a mixed breed domestic cat can run as little as $22 per month, while larger breed dogs, such as Boxers or Bulldogs might cost up to $50 per month. Older pets generally cost more to cover, and many pet insurance companies set age limits for pets eligible to be insured. Likewise, there may be policy exclusions for pre-existing conditions, and some insurers will deny coverage to certain breeds that are prone to hereditary conditions, so make sure to have your pet’s comprehensive health history readily available when reviewing options. When choosing a plan based on the average cost, factors pet owners will want to consider include the plan’s deductibles and reimbursement policies.
Customer satisfaction and company are two considerations which often go hand-in-hand: A great way to find the right insurance policy is to ask other pet owners who they’re insured with, and whether or not they’re happy with their plans. Your veterinarian might also have insight into which plans and which companies might be best for your pet—after all, veterinary offices deal with pet insurance policies on a daily basis and might have insights from the insider’s perspective. Healthy Paws, Nationwide, Embrace, Petplan, and Pets Best are some of the top-rated companies offering pet insurance in the state of Texas. Each of these companies have customer satisfaction testimonials available to prospective clients, as well as offering free insurance quotes based on the individual needs of your pet. So whether you’re covering a cattle dog, a German Shepherd, a shih tzu, or a tabby cat, there’s a Lone Star pet insurance policy out there that’ll check off every one of your pet’s “4 C’s.”