Best Pet Insurance Companies in Berkeley, CA

FAQs

• What kinds of animals are covered by pet insurance in Berkeley?

  Pet insurance plans in Berkeley are commonly available for animals that are legally classified as pets. These include cats, dogs, birds, and small mammals. Exotics like reptiles are covered by some providers. Once an animal may be legally classified as livestock like in the case of horses, pet insurance plans are no longer applicable.

• Does a pet insurance policy in Berkeley immediately take effect?

  No, a pet insurance policy in Berkeley does not immediately take effect. The pet owner has to wait for a 14-day period before the plan takes hold. Any maladies or accidents that occur before that period will have to be treated purely out of the pet owner's own pocket.

• Will pre-existing health conditions be covered by pet insurance in Berkeley?

  Pre-existing health conditions are typically not covered by pet insurance in Berkeley. Insurance is designed to tackle accidents and illnesses that are unexpected, and pre-existing conditions lead to foreseeable difficulties. Insurers do not like pre-existing conditions because it raises the risk that the company has to assume.

• What factors affect the cost of pet insurance in Berkeley?

  Pet insurance in Berkeley is determined by numerous factors like the animal's age, breed, and the place where the owner lives. In general, the greater the risk the insurer has to take because of old age or living in a dangerous neighborhood, the greater the premium payments will be.

• Will the full value of pet care costs in Berkeley be reimbursed by insurance?

  No, the full value of pet care costs in Berkeley is not usually reimbursed by insurance companies. Insurers impose deductibles and copays, which the pet owner has to pay personally. This could be mitigated by getting a contract that is customized to have higher premiums, but even then, there will be out-of-pocket costs.