Best Pet Insurance Companies in Odessa

Frequently Asked Questions

• How long are the waiting periods in pet insurance policies in Odessa?

  The common waiting period in pet insurance policies is 14 days after enrollment. Your pet’s coverage starts only after the waiting period. The waiting period for accident coverage is usually shorter, about 1 to 5 days. There are certain illnesses for which some insurers in Odessa require longer waiting periods, such as orthopedic and cruciate ligament conditions. Embrace and Fetch have 6-month waiting periods for orthopedic conditions.

• Will your pet insurance company in Odessa reimburse burial or cremation costs if your pet dies?

  Burial and cremation are not medical procedures, so pet insurance companies in Odessa typically do not cover costs for these services. Some pet insurers like AKC and Embrace offer coverage for end-of-life expenses, including cremation and burial, as an optional add-on. Pet insurance plans by Spot include coverage for euthanasia, cremation, and burial, but only if the pet's death resulted from a covered condition.

• Are senior pets eligible for pet insurance in Odessa?

  Yes. However, not all pet insurance companies in Odessa accept senior pets for new enrollments. The common upper age cutoff is between 10 and 14 years old. Companies like Figo, ASPCA, and Spot have no upper age limits for new enrollments. If you are insuring a senior pet, expect your premium to be higher than average, as aged pets are more at risk of developing illnesses.

• Is pet insurance tax deductible in Odessa?

  In general, pet-related expenses are tax deductible only if the pet is a certified service animal or a working animal that contributes to your taxable income. For example, pet insurance for a blind person’s guide dog may be claimed as a medical expense. If you have a cat that stars in pet food commercials in Odessa or a show dog that wins prizes, you may be able to claim its pet insurance as a business expense.

• What’s the difference between pet insurance and veterinary discount plans in Odessa?

  Pet insurance reimburses a portion of your veterinary expenses for covered conditions, including prescription medicines. Since there are no provider networks, you can visit any licensed veterinarian in Odessa. Pet insurance typically excludes pre-existing conditions. Meanwhile, veterinary discount plans give price cuts for services from vets within a network. Discount plans do not exclude pre-existing conditions but will only give discounts on vet services or procedures. Thus, there are no price cuts for your pet's prescription medications.