Everyone has purchased insurance at some point, but very few people understand how it works. This is no surprise as it can be confusing, so when people hear of insurance for animals they wonder: “What is pet insurance and why would I ever need it?”

First, consider the things in your life you deem worthy of having insurance. You invest in car insurance because you want protection from negligent drivers. You have homeowners insurance to protect your precious, invaluable items from emergencies.

And of course, you have health insurance for yourself because after all, there’s only one you.

Pet parents feel the same way about their dogs and cats. Pets are not a burden, accessory, or nuisance to animal lovers — they’re part of the family. That’s why The Works Insurance is offering customizable insurance plans that work for your pet and your budget.

Pet owners should be educated on all the nuances of insurance, as well as the cost and benefits of each plan. That’s why we broke down everything you need to know about pet insurance.

About Pet Insurance

The most significant incentive for pet owners to insure their animals is the peace of mind and knowing they can receive financial recompenses if their pet becomes sick or has an accident. In this way, pet insurance is not unlike other forms of insurance.

Pet insurance coverage reimburses you for certain medical and surgical expenses if your pet gets into an accident or becomes ill. The concept is simple and luckily, so is the process.

How Does Pet Insurance Work?

Having coverage for your pet is not as complex as healthcare for people can often seem. When you buy insurance for your pup, you don’t need to worry about visiting vets that are in-network or accept certain kinds of insurance.

You can visit any licensed veterinarian nationwide with your cat insurance. All you have to do is visit your vet and pay the bill like you usually would. Then, you submit a claims form with your vet receipts through email, mail, fax, or our online pet portal.

Once your claim is submitted, you will get reimbursed for your costs via check or direct deposit.

Pet parents often worry their vets will reject coverage or need to deal with the insurance provider directly. However, all you have to do is pay the bill and file your claim so we can refund you for the costs, which means less worry and stress on your part.

How Plans Are Built

Policies offered by The Works Insurance for your pets include Accident-Only and Accident & Illness plans, each with the option for Preventive Care add-ons for a little more cost.

Our policies are built and tailored to the individual needs of your pet. Throughout the quoting process, you’ll find we request specific questions about your animal to determine which plan will work for them.

These are three critical pieces of information taken into consideration when building a pet insurance policy:

Age: Older animals are at a higher risk of getting sick or injured.

Breed: Some breeds are more prone to certain ailments. This is especially true for purebred dogs.

Location: Your zip code lets us know if you live in a rural or urban area. Veterinarian bills are much higher in urban areas than they are in rural ones.

We request your animal’s age and breed so we can understand your needs and help create a plan that will work for you and your furry friend. This does not mean we deny pets of a certain age or specific breed.

Although your pet must be at least 8 weeks old to enroll, we never denies coverage to a dog or cat based on age or breed.

What Does Pet Insurance Cover?

Your coverage depends on the pet insurance policy you purchased for your animal. This means that coverage is different between Accident-Only and Accident & Illness plans and varies based on whether or not you included a Preventive Add-On.

No pet insurance company currently covers pre-existing conditions. It’s also important to note the difference between pre-existing conditions and hereditary conditions.

Pre-existing conditions are defined as ailments and issues noted by you or your veterinarian before your policy becomes active or during a waiting period. Hereditary conditions are genetic disorders inherited by your pet, often because of their breed.

Hereditary conditions are covered, so long as they are not pre-existing.

If you are considering insurance for your pet, you can get a free quote. We will be happy to speak with you and answer any questions you have to ensure our pet insurance is right for you.