FROM OUR PARTNERS
Having a pet will require a lot from you, such as paying for vet bills, feeding, and medical bills in case of an emergency. If you love your pet so much, you won’t want to lose your pet to the rescues because you’re not offering proper care.
Pet insurance offers pet owners the privilege of reducing the cost of expensive vet bills and it comes in handy when an emergency occurs.
However, with the many pet insurance companies in Nebraska, you should go for the one that will give your pet the required care. This is because they might be specific care your pet needs that certain insurance companies offer.
In this article, we will give you the specifics to look out for when choosing insurance for your pet.
Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.
Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.
Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.
Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.
Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.
With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.
MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.
Fetch covers various conditions and offers holistic therapy coverage.
Spot will insure older animals and provides a multi-pet discount when you insure two or more pets
Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.
Out of a large number of pet owners in Nebraska, a good number of them may not be able to pay for expensive vet bills. Also, you can not predict the period your pet will fall sick, or get accidental injuries and how much the treatment will cost.
Struggling with your pet’s medical bills can be frustrating and defeat your reason for getting a pet. Hence, the responsibility of taking care of your pet and nurturing it in good health will not be burdensome if you get pet insurance.
With pet insurance, you can rest assured to have peace of mind because your insurer will cover the expenses for treating your pet.
When you get pet insurance in Nebraska, you have the opportunity to use it to get treatment for your pet at a licensed veterinary clinic. Your pet will receive proper treatment depending on the type of plan you buy.
With proper knowledge of the types of pet insurance plans, you’ll be able to know which plan will best fit your pet. However, there are four types of pet insurance and they include.
This plan only offers coverage for your pet medical bills for accident-related treatments. Apart from this, your insurer will not reimburse you for the cost of treatment when your pet falls sick.
Under this plan, not all companies offer coverage for older pets. Rather, an older pet can benefit from this plan if you enroll them at an early age.
Accident and illness pet insurance covers the cost of treatment for accidents and illnesses inclusive. This plan seems to be more comprehensive than the accident-only plan.
If you enroll your pet under this plan and need urgent medical attention as a result of an illness, the plan will cover your medical expenses. That is to say, your insurer will reimburse you a portion of the amount you spent on the medical bills, usually above 50%.
This plan offers complete coverage for your pet. Under this plan, your insurer will cover the cost of treatment for injury, illness alongside your pet’s wellness care. Also, this plan covers emergency care.
Many insurance companies don’t offer wellness care as a pet insurance plan, rather it’s offered as an add-on to the accident and illness plan. This will include the vaccinations, routine checks, and preventive care your pet requires.
Majorly, the list of coverage a company offers is linked to the type of plan a pet owner buys. If your plan doesn’t include coverage for illnesses, you won’t be reimbursed when there’s an emergency that’s related to illnesses.
However, pet insurance in Nebraska offers coverage for several accidents, illnesses, preventive care, and other cases losses below
Generally, many companies don’t include pre-existing conditions, breeding, pregnancy care, cosmetic procedures, and DNA testing or cloning, grooming, training, to the list of coverage.
Pet insurance costs are necessarily not expensive but are different among several companies. Moreover, insurance costs for dogs are higher than for cats because dogs are prone to injuries and accidents compared to cats.
Insurance costs for dogs in Nebraska range from $30- $80 per month and $20 -$30per month for cats. They are key factors you need to consider that affect the cost of a pet, we’ll list them out below.
Paying a small amount of money monthly will make it possible and easier to pay for your pet’s treatment, that’s what makes insurance worth the cost. This is one reason many pet owners go for pet insurance, not minding the age, breed, or location.
With the several challenges that come with owning a pet, it’s expected that you have a vast knowledge of vet bills in Nebraska. Knowing this will give you an idea of how much pet insurance will cost if you’re looking for the best insurance plan for your pet.
Amidst feeding your pet properly, and buying the relevant toys for recreational activities, your per deserves proper care from a vet clinic. There are a lot of vet clinics in Nebraska that provide these services to ensure your pet sustains a perfect health condition.
Veterinary cost for various services is listed below.
Vet services Cost
Routine services $120
Heartworm test $50
Vaccines $50 (per shot)
Physical exams $45
Allergy testing $230
Dental cleaning $180
Every pet should be given the privilege of pet insurance. In choosing the best pet insurance for your pet in Nebraska, you should know that all pets are not the same. Several features differentiate one pet from another.
Hence, the best pet insurance for a golden retriever might not be the best for a chihuahua in Nebraska. Also, if you have a puppy or a kitten, what will be the best insurance for them might not be the same for an older dog or cat.
If you want to choose the best pet insurance in your location, you’ll need to consider the coverage limit, annual deductible, and reimbursement rate. These factors are all anchored on your budget and financial stability.