Read about pet insurance protection for your beloved pet dogs and cats.

Discover two pet insurance coverage options available to owners of pet dogs and cats.

Mention of first-born or oldest usually prompts a mental image of a human being. If you aren’t the first-born or oldest in your family, an older brother or sister comes to mind. The picture is changing in many households following the baby boomers. Instead of or before expanding the family with a child, an eye-catching number of adult Gen Xer’s, Millennial’s, and Gen Zer’s are going all-in with a pet dog or cat. More and more, the outpouring of attention typically received by the first-born or oldest child in a household is devoted to a pet.

Pet dogs and cats are regarded as family members by many pet owners. In addition to loving, feeding, and cleaning up after their dogs/cats, there is concern for the general health and well-being of the animal. While the first pet policy in the U.S. was issued in 1982, notable growth in the market for dog and cat pet insurance has occurred more recently. It’s a good bet that growth tracks with the priority bestowed on pet dogs and cats by younger generation owners, who are re-drawing the boundaries of disposable income to suit changing lifestyles.

Pet insurance for your dog or cat is somewhat similar to health insurance for a person. In broad terms, pet insurance applies to medical treatment for the covered dog or cat. However, there is no coverage for pre-existing conditions. Also, a waiting period usually applies.

Richey-Barrett Insurance is currently marketing dog and cat pet insurance provided through Safeco Insurance. Safeco offers two types of coverage. One option covers Accident & Illness only; the other option covers Accident, Illness, & Wellness. The options allow flexibility in terms of your coverage needs and budget. The table below provides a bullet-point overview of the two coverage options.

            Accident & Illness*                            Accident, Illness & Wellness*

 

•  Accidental injuries                           Everything covered under the

              (including to permanent teeth)        Accident & Illness policy, plus

                                                       fixed payment amounts for the

•  Euthanasia or anesthesia               following (not subject to 

                                                       deductible and annual maximum):

•  Cremation and burial expenses

                                                       •  Wellness exams

           •   Ingestion of a foreign object           

              (up to two treatments max per        •  Intestinal deworming

              policy year)

                                                                       •  Routine dental cleaning

           •   Accidental death

                                                                       •  Flea and tick prevention

           •   Illnesses (e.g., cancer,

              influenza, and kennel cough)          •   Heartworm tests and medication

 

           •   Alternative medicine                       •  Dietary food and supplements

 

           •   Behavioral therapy                         •  Prescription medications

 

            •   Hereditary and congenital              •  Boosters and vaccinations 

               conditions

 

            For either coverage highlighted above, the following options are available:

• Reimbursement of eligible charges of 70%, 80%, or 90%
• Annual deductible of $250., $500., or $1,000.
• Annual limit of $5,000., $10,000., or $15,000. 

            *NOTE:  Actual policy terms, conditions, and limits always apply.

 

The reference to pet insurance in this blog is limited to pet dogs and cats. Other types of animal insurance may be available in specialty markets.

Link to Google form for quote info: https://forms.gle/fZiE2Qkbz8oECZ4fA

May is National Pet Month. In recognition of the special place pet dogs and cats have in the hearts of many pet owners, Richey-Barrett Insurance will contribute $5.00 to a local animal shelter for each household to which we provide pet insurance policy quote(s) through Saturday, May 13, 2023.

Contact your Trusted Choice Independent Insurance Agent at Richey-Barrett Insurance today for all of your personal lines insurance needs.