Ask the Vet with Jennifer Miller, DVM

Country Critters Veterinary Hospital, Daleville

QuestionMy pet is two years old and pretty healthy. Should I investigate medical insurance for her?


AnswerPet medical insurance is always a good idea, especially for young, healthy animals. The vast array of insurance plans available cover major medical issues such as surgeries or broken bones, or plans that help with annual vaccine costs. Getting insurance when pets are young is a good idea because, just like with human insurance, young animals usually have fewer pre-existing conditions so coverage is easier to get. When looking at a specific company, ask them what is included in their plans, what treatments would be excluded, and if there are any age limitations on the policy. One major difference between human and pet insurance is the processing of the insurance claims. With human insurance, your doctor’s office does all of the claims processing. With pet insurance, it is your sole responsibility to submit the insurance claims. All medical payments are still expected upon completion of services and the insurance company will only reimburse you when the claim has been processed. I have seen the benefits of insurance coverage firsthand. I once treated a cat with heart failure. The guardian had an insurance policy which allowed her to take the cat to a cardiologist for advanced treatment she would not have been able to afford otherwise.

Dr Jennifer MillerAbout the Vet:

Jennifer Miller is a 2008 graduate of Purdue University School of Veterinary Medicine. She practiced for two years in Chicago prior to moving back home to central Indiana. She enjoys all aspects of veterinary medicine especially dentistry and ophthalmology.

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