Is Pet Insurance right for you?

Is a Pet Wellness Plan a better option?

Or should you have both?

Is pet insurance worth the cost?

You might have heard a story of someone who recently took their 6-year-old dog to their Veterinarian for minor symptoms and learned the pooch had a serious condition that would end up costing them thousands of dollars to properly treat.

It happens.

Whether it is a disease, an injury, accidental poisoning or cancer, suddenly as a pet owner you could face huge costs for professional medical care.

Does pet insurance make sense then?

There a lot of factors that need to be considered, starting with the age, breed, and species of your pet.

Next, it’s important to look over each insurer’s coverage for what you are getting.

This is the really tricky part! All of the providers we have worked with have limitations and specific coverages stated in their fine print. We strongly recommend you read the policy before you buy it.

Hereditary conditions, Diagnostic Tests, Surgeries, Hospital stays, Medications, Veterinary supplements, Herbal therapy, and Prosthetic devices and carts, are the primary categories of coverage you should be considering.

Selecting the right deductible is also an option you should consider.  This can vary from as little as $0 and can go up to $700.00 depending on the provider.

Make sure you know if your rate will increase as your pet grows older!

Pet insurance claim form on an Ipad

Other important factors to consider are ease of submitting a claim. Some providers offer an app for your phone or some form of online submission, so you need to consider convenience as well.

Pricing can vary considerably, but most often reflects all of the above in the value of what you receive in return for your monthly premium.

You can expect costs to range from about $30 a month for a higher deductible, to as much as $200 or more per month for a $0 deductible policy.

You will also want to note the total annual coverage!

Pet insurance claim form on an Ipad

Other important factors to consider are ease of submitting a claim. Some providers offer an app for your phone or some form of online submission, so you need to consider convenience as well.

Pricing can vary considerably, but most often reflects all of the above in the value of what you receive in return for your monthly premium.

You can expect costs to range from about $30 a month for a higher deductible, to as much as $200 or more per month for a $0 deductible policy.

You will also want to note the total annual coverage!

 

With Pet Insurance in place for the unexpected costs of medical care, you will rest assured that should something happen that you weren't expecting, to your loved one, you won't have to face a difficult financial decision.

We can’t advise you on the best policy to fit your needs, but there is plenty of information to read online that will help you make the right choice for your needs and budget.

To make your search easier we've listed some of the more popular carriers with links to their sites at the bottom of this page...

But what about routine visits?

That's where a Pet Wellness plan comes in!

With Pet Insurance in place for the unexpected costs, a Pet Wellness plan will provide for many of the expected costs...

 

“An ounce of prevention is worth a pound of cure”

That famous quote by Benjamin Franklin is as true today as when he made it!

With a Pet Wellness Plan you'll save between $175 and $375 per year on routine care.

Routine office calls, core vaccinations and heartworm prevention (for your dog, felv/fiv/hw testing for cats) are included in our basic plans. 

With our premium plans, you will also receive annual dental prophylaxis/teeth cleaning for your adult/senior pet, or spay/neuter + a pet microchip for your puppy or kitten.

With a Healthy Pet, Pet Wellness Plan from Santa Rosa Veterinary Hospital, you will receive the needed routine care that is often not covered by Pet Insurance. Our goal is to “foster wellness” and to prevent future illnesses.

(be sure to read the details below)

Having a Healthy Pet, Pet Wellness Plan in place for your loved one...

With or without Pet Insurance,

Pet Wellness plans just makes financial sense.

If you already have Pet Insurance, and you add a Healthy Pet Program, you will be providing a spectrum of health services similar to those you provide for any other family member.

Little girl with cat for Pet Wellness plan

Learn more about out programs

Pediatric Health Care

Basic Plan

Unlimited office calls (comprehensive physical
examinations) during regular office hours. Any
core Vaccinations as determined by the
Veterinarian.
Which may Include: Canine Distemper, Parvo,
Hepatitis, Leptospirosis, Bordetella, Rabies
Feline Panleukopenia, Calici Virus, Leukemia,
Rabies.
(1) Intestinal Parasite Exam & Deworming, felv/
fiv/hw testing for cats.
12 Months of Prevention:
(Heartworm,Roundworm,Hookworm) Dogs only
Cost $39.50/month for dogs $29.50/for
cats (a savings of over $250).

Premium Plan

All of the services in Basic plan, plus routine
sterilization surgery for puppies or kittens.
(spay or neuter Includes: Pre-surgical exam,
Pre-surgery bloodwork, IV Catheter,
Anesthesia, Monitoring, Pain Medication and
Hospitalization. Pet ID Microchip
Cost: $65.95/month for dogs $55.95/
month for cats (a savings of over $375).

One time $89.95 administration set up fee

Adult Health Care

Basic Plan

Unlimited office calls (comprehensive physical
examinations) during regular office hours. Any
core Vaccinations as determined by the
Veterinarian.
Which may Include: Canine Distemper, Parvo,
Hepatitis, Leptospirosis, Bordetella, Rabies
Feline Panleukopenia, Calici Virus, Leukemia,
Rabies.
(1) Intestinal Parasite Exam and Heartworm
Test. felv/fiv/hw testing for cats.
12 Months of Prevention:
(Heartworm,Roundworm,Hookworm) Dogs only
Cost $26.50/month for dogs $20.50/
month for cats (save over $175).

Premium Plan

All of the services in Basic Plan, plus annual
routine dental prophylaxis/teeth cleaning
(Includes Pre-Anesthesia Exam and bloodwork,
IV Catheter and Fluids, Anesthesia, Monitoring,
Dental X-ray)
Cost: $71.50/month for dogs $60.50/month for cats (save over $350).

One time $89.95 administration set up fee

Senior Health Care

Basic Plan

Unlimited office calls (comprehensive physical
examinations) during regular office hours. Any
core Vaccinations as determined by the
Veterinarian.
Which may Include: Canine Distemper, Parvo,
Hepatitis, Leptospirosis, Bordetella, Rabies
Feline Panleukopenia, Calici Virus, Leukemia,
Rabies.
(1) Intestinal Parasite Exam and Heartworm
Test. felv/fiv/hw testing for cats.
12 Months of Prevention:
(Heartworm,Roundworm,Hookworm) Dogs only
Cost $39.50/month for dogs $26.00/month for
cats (save over $175).

Premium Plan

All of the services in Basic Plan, plus an annual
routine dental prophylaxis/teeth cleaning
(Includes Pre-Anesthesia Exam and bloodwork,
IV Catheter and Fluids, Anesthesia, Monitoring,
Dental X-ray)
Cost: $75.75/month for dogs $65.50/
month for cats (save over $350).

One time $89.95 administration set up fee

Link Directly to Pet Insurance Providers

And keep in mind...

Because you are reimbursed directly from your insurer, it doesn't matter to us who your coverage is with, but it does matter if your claim is covered!

This list is not nearly complete, and we do not endorse one carrier above another. You can find more providers, with a wider range of coverage by simply Googling "pet insurance".

Trupanion
Healthypaws
Petplan
Nationwide (best for avian and exotic pets)
Pet Assure

 

I'd be happy to discuss this, or any questions you might have about your pet's health!

rosa the hedgehog

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