F.A.Q - Pet Insurance
What is pet insurance?
Pet insurance reimburses you for your veterinary bills when your dog or cat gets sick or injured from an accident. Pet insurance helps you pay for treatment costs and gives you peace of mind as a pet parent. Having a pet insurance plan allows you to focus on getting the best care for your pet without worrying about the financial burden.
When should I get pet insurance?
It is important to get insurance for your pet as early as possible, our coverage starts when your pet is 8 weeks or older. It is recommended to get the coverage while your pet is still healthy, because no pet insurance plan covers pre-existing conditions. Our plan offers the shortest waiting period in the industry (14 days), and we don't require an exam to enroll, the sooner you get pet insurance, the more likely you are to receive the maximum benefit
Why do I need pet insurance?
It's a sad fact: dogs and cats get sick and injured just like us humans. We've all heard horrorstories about dogs having their own toys surgically removed after accidental ingestion. Or the story about the cat that had diabetes or chronic kidney failure. Or the pair of Golden Retrievers who developed cancer. The story always ends the same way: the veterinary bills were huge, making things worse.
Veterinary bills will continue to be a challenge for pet parents in the face of rising veterinary costs. Medical advances and high-end equipment give your pets the best chance of a long, happy, and healthy life, but this advancement often comes at a high price
Veterinary bills will continue to be a challenge for pet parents in the face of rising veterinary costs. Medical advances and high-end equipment give your pets the best chance of a long, happy, and healthy life, but this advancement often comes at a high price
What does pet insurance cover?
- Accidents – Common accidents like scratches and fractured bones are covered. In addition, our plan helps pay for surgery needed to remove swallowed objects
- Diseases – Curable conditions and chronic diseases, such as cancer and diabetes, are part of the diseases covered.
- Hereditary and Congenital Conditions: Our plans offer coverage for hereditary and congenital conditions, such as hip and elbow dysplasia, glaucoma, epilepsy, IVDD, luxated kneecap and cherry eye. Coverage for these types of conditions is available with our plans as long as the condition was not present prior to the effective date of the policy, or during applicable waiting periods.
- Preventive and routine care – This optional coverage is available for an additional price, and it helps pay for preventive measures such as annual exams, immunizations, blood tests, and dental cleanings.
Which deductible should I choose?
Choosing a higher deductible will reduce the price of your monthly plan, but it means you'll have to cover higher costs when your pet needs veterinary care. Choosing a lower deductible will increase your monthly price but reduce the costs you have to cover. Cuvro offers a wide variety of deductible options, so your plan is customized to fit your budget. Our plans have annual deductibles, which means the deductible must be met for each annual policy period.
Can I use any veterinarian?
Yes
Here's how your premium works:
When shopping for insurance for your dog or cat, it's important to understand how your plan is quoted when you initially buy and what to expect at your annual renewal as your pet ages. Pet health insurance costs are not based on your individual claims history, but on a collective risk assessment across all claims, just like insurance works for human health insurance.
Although the number of claims you submit will not affect the price of your insurance premium over time, the age and breed of your pets will. Below are some frequently asked questions about premium increases and how we help you manage your premiums and coverage.
Although the number of claims you submit will not affect the price of your insurance premium over time, the age and breed of your pets will. Below are some frequently asked questions about premium increases and how we help you manage your premiums and coverage.
Will my pet insurance cost increase by filing a claim?
We will not increase your pet premium based on your personal claims filing history
Will the cost of my pet insurance increase annually?
As your pets age, the inherent health risks your pet faces also increase. Pet insurance is similar to human health insurance in that insurance premiums increase as people age. Pets age about 7 times faster than humans, so health problems can occur much faster in pets than in human health care.
Although it's difficult to approximate the price changes you may see over time, you'll likely see changes to your premium each renewal period based on the increased risk that pets will need more medical atention as they age. However, our plans allow for greater flexibility than other pet insurance companies to choose an annual limit, deductible, and reimbursement percentage that fits your budget.
Although it's difficult to approximate the price changes you may see over time, you'll likely see changes to your premium each renewal period based on the increased risk that pets will need more medical atention as they age. However, our plans allow for greater flexibility than other pet insurance companies to choose an annual limit, deductible, and reimbursement percentage that fits your budget.
What are other reasons why the cost of my pet insurance may go up?
Periodically, pet insurance costs can also increase based on the overall cost of veterinary care, as veterinarians use new technologies to treat dogs and cats. Because insurance prices for cats and dogs are based on the risk associated with a pet needing a medical procedure, new and advanced treatment options can cause premiums to increase over time.
How does the claims process work?
Easy and efficient service
We know how important your time is, so we work hard not to waste it. Our online portal is easy to use for filing claims, updating your personal information and payment information, and managing your pet's policy. If you need to contact us, one of our customer service representatives can gladly assist you and offer answers to questions about your pet's entire health insurance policy.
Fast claims handling
As an insurance agent company, we understand that our business is helping you feel protected from financial uncertainty. We also understand that when you file a claim, the process should be easy, and claims shouComo compañía agente de seguros, entendemos que nuestro negocio lo está ayudando a sentirse protegido de la incertidumbre financiera. También entendemos que cuando presenta una reclamación, el proceso debe ser fácil y las reclamaciones deben procesarse lo más rápido posible. Es por eso por lo que nos esforzamos por ofrecerles un proceso de reclamaciones que es simple y rápido.
We know how important your time is, so we work hard not to waste it. Our online portal is easy to use for filing claims, updating your personal information and payment information, and managing your pet's policy. If you need to contact us, one of our customer service representatives can gladly assist you and offer answers to questions about your pet's entire health insurance policy.
Fast claims handling
As an insurance agent company, we understand that our business is helping you feel protected from financial uncertainty. We also understand that when you file a claim, the process should be easy, and claims shouComo compañía agente de seguros, entendemos que nuestro negocio lo está ayudando a sentirse protegido de la incertidumbre financiera. También entendemos que cuando presenta una reclamación, el proceso debe ser fácil y las reclamaciones deben procesarse lo más rápido posible. Es por eso por lo que nos esforzamos por ofrecerles un proceso de reclamaciones que es simple y rápido.
