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Missouri Pet Insurance FAQs

• Can a senior dog still be insured in Missouri?

  Yes, a senior dog can still be insured in Missouri. While some insurance policies impose age restrictions, others do not. However, it is important to note that most insurance plans will not cover pre-existing conditions, and the older a dog is, the more likely they will have such health issues.

• What do accident-only plans in Missouri cover?

  Accident-only pet insurance in Missouri covers unexpected incidents such as broken bones, torn ligaments, or swallowed objects. These plans are only for accidents and do not cover illnesses. Services related to diagnosing and treating accidents, such as X-rays, bloodwork, and surgeries, are generally covered. However, depending on the insurance plan, the specific provisions and waiting periods may differ.

• Who should consider getting pet insurance in Missouri?

  Pet insurance is a great option for Missouri pet owners who have young, healthy pets. It is also useful for pet owners who have multiple pets, those who help shelters by taking in stray animals, dog breeders, and people who travel with their pets on vacation. While many dogs may live accident-free lives, unforeseen events such as ingesting foreign objects or unfortunate accidents can occur, making insurance essential for financial protection and peace of mind.

• What factors should a Missouri pet owner take into account when determining whether pet insurance is cost-effective?

  To evaluate the cost-effectiveness of pet insurance in Missouri, pet owners should consider two key factors. First, they need to review the coverage scope, ensuring the chosen plan clearly outlines what it covers, whether it is limited to accidents and severe illnesses or extends to routine vet visits. Second, it is crucial to identify any exclusions within the policy, as this knowledge allows for informed plan comparisons and prepares pet owners for potential out-of-pocket expenses not covered by their insurance.

• What are some critical veterinary costs and concerns for Missouri pet owners to be aware of?

  Missouri pet owners should be aware of the following health issues:

  • Dental Disease: By the age of two, 80% of dogs have some form of dental disease.
  • Cancer Risks: According to the Veterinary Cancer Society, nearly half of dogs over the age of 10 will develop cancer.
  • Marijuana Poisoning: With increased marijuana availability in Missouri, there has been an increase in cases of marijuana poisoning in pets.
  • Obesity Issues: Approximately 60% of dogs in Missouri are overweight.