Is Surgery Covered by Pet Insurance? – MarketWatch

Pet insurance is becoming increasingly popular among pet owners as a way to protect their furry friends from unexpected medical expenses. One common question that pet owners have is whether pet insurance covers surgery. In this article, we will explore the ins and outs of pet insurance coverage for surgical procedures.

First and foremost, it is important to understand that not all pet insurance policies are created equal. Some policies may cover surgical procedures, while others may not. It is crucial for pet owners to carefully review their policy documents to determine what is covered and what is not.

In general, most pet insurance policies do cover surgical procedures. This can include anything from routine spaying and neutering to more complex surgeries such as tumor removal or orthopedic procedures. However, the extent of coverage can vary depending on the policy and the insurance provider.

When it comes to coverage for surgical procedures, pet insurance typically reimburses pet owners for a percentage of the total cost of the surgery. This percentage can range anywhere from 70% to 90%, depending on the policy. Some policies may also have a maximum payout limit for surgical procedures, so it is important to be aware of any caps on coverage.

It is also worth noting that pre-existing conditions are typically not covered by pet insurance. This means that if your pet has a medical condition that requires surgery and it was diagnosed before you purchased the insurance policy, the surgery may not be covered. It is important to disclose any pre-existing conditions when applying for pet insurance to avoid any issues with coverage down the line.

In addition to coverage for surgical procedures, some pet insurance policies may also include coverage for post-operative care. This can include follow-up visits to the veterinarian, medications, and physical therapy. It is important to review your policy documents to understand what post-operative care is covered and what is not.

In conclusion, pet insurance can be a valuable tool for pet owners to help cover the cost of surgical procedures for their furry companions. However, it is important to carefully review your policy documents to understand what is covered and what is not. By being informed about your coverage, you can ensure that your pet receives the care they need without breaking the bank.