Our clients often ask us about pet insurance because it is becoming so popular. Pet insurance can help you manage the cost of caring for your pet through good times and bad. If this is a concern, Ocean County Veterinary Hospital strongly encourages you to consider pet health insurance for your pet.
Why Do I Need Pet Insurance?
Pet insurance is about peace of mind - it can help you get the very best care for your pet without worrying about the cost.
Almost every day there are new advances in veterinary medicine that can help our pets live longer, healthier and happier lives. New tests more quickly diagnose problems; new drugs to cure diseases or reduce pain; new surgical techniques and devices to correct genetic defects or traumatic injuries, etc. Unfortunately, this advanced care is not without significant cost because of the investment in research, equipment and training that must be made by the manufacturer and veterinary hospital. While these advances give the pet owner and the veterinarian more options for treatment, financial limitations may prevent a pet from receiving the very latest therapy.
Having your pet insured can enable you to say "yes to the best" and what the doctor recommends to make your pet feel better more quickly. Policies from reputable pet health insurance companies licensed in NJ will help pay for veterinary care at all hospitals in the US, including specialty centers and emergency hospitals.
How Does Pet Insurance Work?
Pet insurance plans are very flexible, although they're a little different from our own health insurance plans. With pet insurance, you can visit any veterinary hospital in the nation – general, specialist, or emergency – there are no networks. You pay your vet bill at the time of service and submit a claim to the pet insurance company, which in turn reimburses you directly with a check, usually within two weeks.
How Much Does Pet Insurance Cost?
The cost depends on a variety of factors including your pet's breed and age. Each plan has options for the type of coverage you want for your pet, including deductibles and wellness care. The more you pay, the more you get, but even the most economical plan can provide a level of coverage far above what most people can budget for an unexpected illness or emergency.
Can I Buy Pet Insurance When My Pet Is Sick?
No, for the same reason you can't get homeowners insurance after your house burns down or auto insurance after you've been in an accident. You can't apply for pet insurance when you need it most; you must plan ahead.
Which Pet Insurance Plan Does OCVH Recommend?
Our doctors have reviewed a large number of pet health insurance plans and have evaluated the feedback from clients who have submitted claims. For 2016, our recommended pet insurance plans is Petplan.
Petplan is tailored to those clients who are primarily looking to cover their pet in cases of emergency, major medical and surgical problems.
For more information, please visit Petplan's website: