Best Pet Insurance Companies in Thornton

FAQs

• Is pet loss due to theft or death covered by your pet insurance policy in Thornton?

  A standard pet insurance policy in Thornton addresses health-related expenses, but it will not compensate you for pet loss if the pet is stolen, dies, or runs away. If you have a valuable pet, such as a show dog, and want to insure its life, look for pet life insurance, also known as theft and mortality insurance. This type of insurance reimburses your pet's value in the event of loss.

• Can you still get pet insurance in Thornton if your dog is currently sick?

  You can get your dog insured even if it’s sick at the moment. However, pet insurance companies in Thornton do not cover pre-existing conditions, whether diagnosed or not. So, your pet’s current illness and vet expenses related to it will not be covered by the new policy. Some insurers may cover a pre-existing illness later on if the pet has been cured and has not displayed symptoms for a certain amount of time.

• How much of your vet bill will be reimbursed by your pet insurance company in Thornton?

  The reimbursement rates of pet insurance companies serving Thornton range from 60% to 90%. The amount reimbursed is based on the terms you chose, particularly the reimbursement percentage and deductible. See the sample calculation below for a $1,500 vet bill with a $100 deductible and a 90% reimbursement rate:

  • $1,500 minus $100 deductible (you pay for this) = $1,400.
  • $1,400 x 0.90 (90% reimbursement rate) = $1,260 (what your insurer will pay you).
  • There is a remaining $140 (from $1,400 - $1,260) which you will shoulder.

• Is your pet covered right after enrollment in a pet insurance policy in Thornton?

  No. Thornton pet insurance companies implement waiting periods before coverage starts for a new policy. The insurer will not pay claims during this period. Generally, waiting periods last 2-15 days after enrollment. Most insurers have shorter waiting periods for accident coverage, usually 1-5 days. Illness coverage typically kicks in after 14-15 days. Some insurers impose longer waiting periods before covering specific conditions. For example, 12 months for hip dysplasia and six months for ligament conditions.

• Do you have to use a specific veterinarian if you have a pet insurance policy in Thornton?

  Pet insurance companies in Colorado have no networks and provide coverage through reimbursement, so you can bring your pet to any licensed veterinarian in Thornton and then submit their invoice to your insurer for reimbursement. Most pet insurance companies also accept invoices from licensed emergency, specialist, and general veterinarians across the country.