What does an insurance plan typically cover?
In the event of an accident or illness, it’s important to know what is covered in your insurance plan, and how much is covered, which obviously varies from company to company. Here are the things usually covered under insurance plans.
- Clinical and surgical expenses
This usually includes inpatient treatments such as anaesthetic, surgery, x-ray, and imaging. The amount covered per treatment varies depending on methods used, as well as across different insurance companies. Euthanasia should also be covered, but is usually classed under “death benefit” as opposed to clinical and surgical expenses.
This is required for all inpatient treatments, and is usually covered in a typical insurance plan.
For more minor cases that do not require boarding (known as outpatient treatments), coverage can range from $2,000 to $55,000 for dogs and may also include prescription medication.
The amount covered varies across insurers, but can range from $2,000 (with Petble Care) to $15,000 (with Blue Cross Plan A). OneDegree is the only pet insurance in town, however, that offers a cancer cash benefit, on top of covering the related expenses within the annual coverage.
So in the unfortunate event that your pet gets diagnosed with cancer for the first time, you may receive a $10,000 cash lump sum on top of your annual coverage, to be used for treatment however you see fit—whether it be herbal medicine, special dietary requirements, or chemo.