What does comprehensive pet insurance mean?
Comprehensive pet insurance refers to plans that offer the most financial protection from unexpected vet bills with coverage for both injuries and illnesses. Some examples include treatment costs for:
- Broken bones
- Accidental poisoning
- Trauma wounds
- Ear infections
- Chronic conditions
- Allergic reactions
- Cancer treatments
- End-of-life care
… and many other health issues. Also known as Accident & Illness coverage, comprehensive plans are the most popular type of pet insurance because they offer a wider financial safety net with protection from more unforeseen medicual issues than Accident-Only coverage.
Note: Pet insurance coverage varies by provider, and some Accident & Illness plans are more comprehensive than others. Additional expenses covered by a pet insurance policy could include exam fees, diagnostic tests, prescription medications, alternative therapies, and more. Always read the covered costs listed within the policy details to learn which costs are reimbursable through your insurance provider.
How does comprehensive pet insurance work?
Comprehensive pet insurance pays you back for money spent on treating sick or injured pets at licensed vets, specialists, or animal hospitals. Most providers require you to pay for the medical service upfront and out-of-pocket, then file a claim afterward to get reimbursed, but more companies are offering the ability to pay vets directly.
Once your insurance deductible is met, claim payouts are based on the reimbursement rate set within the policy terms (typically 70-90% of the total bill) minus your co-insurance portion up to the specified payout limit (unless the policy has an unlimited annual payout).