Statement from Commissioner Pieciak: DFR staff continue to work remotely and will do so until further notice. The department is still conducting business, however there may be some temporary delays in DFR services.
Q: Who Needs Pet Insurance?
A: Many of the Pet Insurance companies emphasize that dog owners have a policy. This is because the veterinarian costs tend to be higher due to dog’s higher chance of injury due to more active lifestyles. However, pet insurance is also geared towards cat owners. Premiums are usually less expensive for cats because many tend to stay indoors much or all of the time.
Q: Do all pet insurance policies have the same coverage?
A: No-Pet insurance plans vary from company to company, and even policies within the same insurance company differ. Some insurance plans cover accidents to your pet, but not illnesses. Some plans cover treatment for cancer while others do not. It can be confusing so you will need to do some research. If you are still uncertain, try asking your veterinarian for advice, as they often hear about the policies from their pet’s owners.
Q: How Does the Premium Price Affect Coverage?
A: Cheaper policies tend to provide less coverage. A low price is not a bargain if your insurance denies your pet’s claim. Look at the policy carefully to see what you are getting-what is covered and what is not covered. It is worth the time and effort to research your options.
Q: Can I use the Veterinarian of my Choice?
A: Yes-All pet insurance companies will allow claims from any licensed Veterinarian.
Q: How Does the Claims Process Work?
A: With human health insurance, your doctor invoices your insurance company, and you may never see the bill. However, with pet insurance you have to pay your veterinary bill and then submit your claim to your pet insurance company for reimbursement.
Q: Are Pre-Existing Conditions Covered?
A: Most Insurance companies will not pay for a procedure that is due to a pet’s pre-existing condition, whether known or unknown. But there are some that will pay for claims due to a pre-existing condition, and with some it depends on the circumstances.
Q: Is Pet Insurance worth It?
A: Pet insurance protects you from large unexpected veterinary bills. However, some with indoor or low risk pets may opt to open a separate bank account to contribute to should anything catastrophic occur. With the right policy or back-up plan, you and your pet should be protected from a catastrophic occurrence and financial hardship. Please see the below links for more information.
Title insurance is an insurance policy that covers past title problems (defects) that are not known until after you buy a home or property.
The most common mistake travelers make is forgetting to read the policy. Travel insurance does not cover every inconvenience under the sun. It covers standard losses associated with travel. Use the first 30 days you have your policy to review it. This is called a “free look” period. Cancel the policy if it does not meet your needs. Be sure to look at covered reasons, scope of coverage, or coverage provisions. Don’t miss the “limitations and exclusions” section as well.
What travel insurance covers:
What travel insurance does not cover:
What are common “covered reasons”?