Pet Insurance in Texas

What is pet insurance?

Pet insurance is essentially a type of health insurance for animals. It is essential to look at what your policy offers before making a claim. Some insurance companies cover things that others don't, so it is crucial to determine what your company covers before signing up for a policy. While pet insurance is good to have, there will still be some out-of-pocket costs. Most pet insurance policies have a maximum limit for the year, and there is still a deductible to pay. If you have already reached the maximum limit and get another vet bill, you will have to pay that one yourself without the help of insurance. It is best to check your insurance policy to know the limit and keep track of what you have already used.

What most pet insurance policies cover

  • Unexpected accidents and injuries
  • Illnesses
  • Medications
  • Surgery
  • Emergency exams
  • Tests and diagnostics

Extra things some pet insurance policies cover

  • Behavior modification
  • Alternative therapies
  • Lost pet advertising and rewards
  • Hospital Boarding
  • Chiropractic
  • Hydrotherapy
  • Acupuncture
  • Nursing and whelping (Giving birth)

What most pet insurance policies don't cover

  • Conditions that existed before the policy
  • Routine wellness exams
  • Preventative care
  • Vaccinations
  • Spay/Neuter
  • Exclusions

How does pet insurance work?

Pet insurance works a bit differently from health insurance. With health insurance, the hospital or health clinic bills the insurance company directly. When your pet goes to the vet, you are responsible for paying the vet. You file a claim with your insurance company, and they reimburse you after investigating the claim.

Contact us

If you live in Texas and want pet insurance, we will gladly help you at Roberts Family Insurance. We can find what you need to cover your pet in Friendswood, TX.