At Largo Veterinary Hospital, we understand that pet care costs can add up quickly especially in an emergency situation. After doing much research we are recommending:
Pet Insurance Basics
Pets are part of our families and it’s stressful when your pet gets hurt or sick. And it’s even more stressful when you have to think about paying expensive veterinary bills to help them. Pet insurance helps lessen that financial worry by reimbursing you for covered costs. It let’s you focus more on caring for your pet rather than the costs of care.
What does pet insurance cover?
Most pet insurance plans cover accidents and illnesses.
Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions. By the way, we offer an Accident-Only plan if you only want coverage for injuries.
With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTIs.
Hereditary and Congenital Conditions
This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.
There are all sorts of alternative therapies now available for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Complete CoverageSM can reimburse you for alternative therapies your pet might need to treat a covered condition.
This coverage can help with the costs of veterinary visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.
These are conditions that need care across multiple plan periods, such as allergies, diabetes, and cancer. With Complete CoverageSM, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.
What's Not Covered
Like all pet insurance providers, we have exclusions. You can look at a sample policy for the full list.
These are conditions that occur before coverage begins or during a waiting period. With our plans, this doesn’t mean the condition can’t be covered in the future. An injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing.
Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.
Our plans do not cover costs associated with breeding or pregnancy.
Coverage for preventive care, like annual wellness exams, vaccines, and screenings, is not included in this plan. You can add preventive care coverage for a little more per month after you select your base plan.