Other add-ons besides wellness are highly specific plans for selected diseases. These include add-ons for diabetes, cancer, inherited illnesses, and congenital conditions.Some would also offer behavioral therapy and prescription coverage as add-ons. It isn’t a wonder that some may offer ambulance care, lost pet recovery, boarding, and accidental death.Even euthanasia and cremation are offered by a few, but these are not the real reasons you’re getting insurance for.If you have the budget to include these, then you are free to do so. Depending on what accident and illness plan you get together with add-ons, it could range between $15 to $300 per month.
Tiers or Levels of Pet Insurance Policies
Each company may offer you different tiers or levels of pet insurance. Some call these Basic, Premium, and Elite, while others use terms like Bronze, Silver, Gold, and Platinum. No matter what terms are used to refer to the insurance tiers, these all depend on the coverages mentioned earlier. Each level or tier includes more add-ons or customized plans. Some tiers differ according to the years of each policy. They offer 1-year, 3-year, and 6-year policies with the same benefits. The longer you choose to stay with them, the lower the premiums get. Although rare, there are a few companies that offer plans with lifetime coverage. Most often, it comes with the condition that you insure your pet before the adult age. This means that you must start having them insured as young as possible or before they are considered adults. Again, the plans that will be available for your pet depends on your fur baby’s breed. The tiers or levels may also affect your benefit claim limits and deductibles. Depending on what kind of fur baby you want to insure, the types of pet insurance vary by coverage and costs.