Does pet insurance cover surgery?
Yes, pet insurance policies typically cover surgeries that are necessary for the treatment of covered conditions or injuries. This can include both minor and major surgeries such as a fatty tumor removal or orthopedic surgeries. Minor surgeries like small wound or a laceration repair are also typically covered under most pet insurance policies. Emergency surgery for Bloat (GDV) is another example of a surgery that is usually covered by most pet insurance policies. It’s important to note that pet insurance policies typically do not cover surgeries that are cosmetic in nature such as ear cropping or tail docking. And remember, pet insurance policies will not cover surgeries related to pre-existing conditions related to accidents or illnesses that happened before or during your wait period.
If you have an accident only pet insurance policy, it is important to note that your policy will not cover surgeries related to illnesses.
Your pet insurance policy may have different waiting periods before they will cover orthopedic or ligament conditions, which does include orthopedic surgery. It’s important to review your insurance policy for specific details on coverage for surgery.
Example Cost For Minor Surgeries
| Total Vet Bill $1,350 | You Pay This At Time Of Service Need help with up front expenses? Check out Vet Spend |
| Insurance Coverage -$680 | Insurance Reimbursement (Here’s The Math) Total Vet Bill: $1,350 Your Deductible: – $500 Eligible For Reimbursement: = $850 Reimbursement Rate: x 80% = $680 |
| Your Final Cost $670 | You Saved 50% With Insurance! |
Example Cost Of A Major Orthopedic Surgery
| Total Vet Bill $3,000 | You Pay This At Time Of Service Need help with up front expenses? Check out Vet Spend |
| Insurance Coverage -$2,000 | Insurance Reimbursement (Here’s The Math) Total Vet Bill: $3,000 Your Deductible: – $500 Eligible For Reimbursement: = $2,500 Reimbursement Rate: x 80% = $2,000 |
| Your Final Cost $1,000 | You Saved 66% With Insurance! |
