Best Pet Insurance Companies in Scottsdale

Frequently Asked Questions

• What is the average cost to insure pets in Scottsdale, and what are the benefits of having coverage within certain limits?

  In Scottsdale, the monthly average cost to insure a dog with $5,000 annual coverage is $32.59, while it's $17.48 for a cat. Arizonans usually select policies with coverage limits between $5,000 and $10,000 and an 80% reimbursement rate. Such policies ease concerns over accident-related vet expenses, allowing owners to prioritize their pet's healing.

• What are the primary types of pet insurance available in Scottsdale and their coverage specifics?

  Pet insurance in Scottsdale falls into three categories. Accident-only covers injury treatments resulting from mishaps, excluding issues like poisonings. Accident and Illness offers aid for accident injuries and diagnosed diseases, but excludes regular health checks and dental cleanings. Meanwhile, Wellness Coverages handles preventive measures like shots and routine appointments, not covering illness or accident treatments. Optional riders can expand or adjust these policies, though they may raise premiums.

• Can Scottsdale residents insure multiple pets on one policy?

  In Scottsdale, while certain insurance companies permit multiple pets under a single policy, others might necessitate individual policies per pet. It's essential to understand that the majority of these insurers cater mainly to cats and dogs, excluding other animals. If multiple pets are insured, each might possess distinct deductibles and reimbursement figures. Upon facing veterinary expenses, owners pay up front and then lodge a reimbursement claim, specifying the concerned pet.

• In Scottsdale, do pet insurance plans cover ailments a pet already has?

  Pet insurance in Scottsdale typically excludes pre-existing conditions from coverage. These are ailments or injuries manifested before the conclusion of the insurance waiting period, even if not yet diagnosed by a vet. Hence, securing insurance early in a pet's life can be beneficial for future conditions. While insurers might not cover pre-existing issues, alternative financing methods like installment plans can ease bill payments for such conditions.

• In Scottsdale, how does pet insurance handle coverage for bilateral conditions when one side has a pre-existing issue?

  In Scottsdale, if a pet previously had a bilateral condition like hip dysplasia, the insurance doesn't cover the same ailment on the opposite side. However, when a pet is first diagnosed with a bilateral condition under coverage, the insurance will also support treatment if the other side becomes afflicted later.