Does pet insurance cover surgery?

Your pet’s insurance may or may not cover surgery. This depends on the type of insurance you have and the type of surgery required.

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If you have pets, chances are you see them as family. So when your pets get sick, you probably take them to the vet. After all, you don’t want them to suffer.

S rising costs of veterinary carethere’s a good chance you’re thinking of buying pet insurance. On the other hand, any time you add a recurring monthly expense to your budget, you want to make sure it’s worth the money.

Of course, vet visits can be expensive on their own, but when it comes to surgery, the cost can be extraordinary. If pet insurance covers these costsit probably is worth the premiums – but does pet insurance actually cover surgery? This is what we will explore below.

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Does pet insurance cover surgery?

Yes, pet insurance can cover surgery. But whether your pet insurance will cover your pet’s particular procedure usually depends on several factors. They include:

  • Type of insurance: If you have comprehensive insurance, there’s a good chance yours insurance will cover your pet’s surgery. On the other hand, if you have accident-only insurance, it will only cover operations related to accidents such as broken bones or accidentally swallowed objects.
  • Condition history: The bigger part of pet insurance providers do not cover pre-existing conditions. So if your pet had a history of the condition the surgery was intended to treat before you bought your cover, your policy probably won’t pay for it.
  • Exceptions: Every insurance policy is different and some policies come with specific exclusions. If the surgery your pet needs is on the exclusion list, your insurance is unlikely to cover the cost of the procedure. For example, many insurance companies do not cover the cost of castration.

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How much does pet surgery usually cost?

How much money can you expect to pay if your pet needs surgery? This depends on the type of pet you have and the type of surgery your pet needs. Here’s what to expect for dogs and cats:

  • dogs: If you have a dog that needs surgery, you can expect to pay anywhere from $500 to $7,000, depending on the type of surgery your dog needs according to Lemonade, a leading pet insurance company.
  • Cats: Lemonade suggests that cat surgeries typically cost between $500 and $5,000, depending on the procedure your cat needs.

It is important to keep in mind that there are other costs associated with surgery. For example, you’ll also have to pay the initial exam fees, any costs associated with diagnostic tests, and potential overnight hospitalization fees. These costs can easily run into the hundreds, if not thousands, of dollars.

What percentage of surgery costs does pet insurance cover?

If your pet insurance provider covers your pet’s surgery, there is a small chance they will pay 100% of the bill. Most pet insurance policies have a deductible plus coinsurance. This means the insurance provider pays nothing until you meet your deductible. Once you pay this amount, the insurance provider covers a predetermined percentage of your veterinary billusually between 70% to 90%.

For example, say you find out your dog needs $6,000 worth of gastrointestinal surgery. Even though your insurance covers the surgery, you have a $500 deductible. In this case, the remaining vet bill for the surgery after your deductible would be $5,500. Here’s how much your insurance company would pay based on different coverage rates:

  • 70% coverage: Insurance will pay $3,850 of your pet’s surgery costs.
  • 80% coverage: Insurance will pay $4,400 of your pet’s surgery costs.
  • 90% coverage: Insurance will pay $4,950 of your pet’s surgery costs.

Why you should get pet insurance as soon as possible

As you can see, pet insurance can make a big difference in your bottom line if and when your pet needs surgery. But if you want to make sure your pet is covered and that your insurance is worth the premiums, it’s important to purchase your policy as soon as possible. That’s why:

  • Your pet’s health: Health generally deteriorates with age. This is true for both people and pets. So the sooner you buy pet insurance, the less likely your pet will have pre-existing conditions when you do.
  • Your premiums: Insurance premiums are based on the risk the policy poses to the insurance company. Older pets are much more risky to pet insurance companies than younger pets. As such, you will usually pay lower premiums if you purchase pet insurance while your pet is young.

The bottom row

Pet insurance can cover your pet’s surgery. This is especially true if you purchase comprehensive coverage before your pet develops health problems. To improve your pet’s chances of coverage if and when he needs surgery, purchase your insurance policy as soon as possible.

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