Best Pet Insurance Companies in Raleigh

FAQs

• What conditions/services are usually covered and what is excluded in pet insurance policies in Raleigh?

  In Raleigh, pet insurance policies typically cover illnesses, accidents, and injuries, as well as emergency care, chronic conditions, treatments, consultations, and diagnostics. Pre-existing conditions, cosmetic procedures such as tail docking, and preventative care such as vaccinations and spaying/neutering are typically not covered by pet insurance companies. Preventative care is typically provided as a separate insurance plan.

• Will the pet insurance company in Raleigh pay your vet bills directly to the vet?

  No, pet insurance reimburses your veterinary bills. After the veterinary visit, you must submit the bill to the insurer as part of a claim. According to your policy, the insurer will then issue a check to reimburse a percentage of the vet bill. Some Raleigh insurers offer direct deposit for quicker payments. Because it is based on reimbursement, you do not have to worry about whether the veterinarian you are seeing is part of the insurer's network, as with human health insurance.

• Can you cover multiple pets under one health insurance policy in Raleigh?

  Yes, you can have multiple pets covered under one policy. Some Raleigh pet insurance companies even provide multi-pet discounts. If you are covering multiple pets, make certain that the policy you purchase will cover all of your pets' unique needs. Different illnesses and health risks are associated with different breeds and species.

• How young can you insure your pet in Raleigh?

  Most pet insurance companies accept pets as young as eight weeks old. When it comes to pet age limits, some Raleigh insurers set it at 14 years old, while others set it at 10 years old. Remember that most pet insurers do not cover pre-existing conditions. As a result, it is best to insure your pet early in life with a company that can provide coverage until the pet's senior years.

• Will your pet insurance coverage in Raleigh take effect right after enrolling your pet?

  There is a waiting period before your Raleigh pet insurance coverage becomes active. Insurance companies typically require a 14 to 15-day waiting period. This means that if your pet is scheduled for surgery in a few days, your new pet insurance will not cover the procedure. However, the accident coverage portion of some policies has shorter waiting periods, as little as one day after enrollment. Some insurers may impose a longer waiting period before covering certain conditions, such as hip dysplasia.