More than 5,000 veterinary care professionals across the country are working with families who need to get their pets spayed, neutered, vaccinated, and tested.
But many pet owners are frustrated by the limited options available to them, and pet insurance companies often aren’t upfront about their coverage requirements.
Pet insurance companies also often won’t disclose what types of vaccines and treatments their pet will receive, how much their pet costs, or the cost of their pet’s vet bills.
The AP spoke to a handful of pet insurance brokers and veterinarians to learn more about what you can expect when you visit a vet and how they can help.
Read more about veterinary care.
Here’s a look at what you need to know about pet insurance:What is pet insurance?
Pet insurance is an insurance policy that covers pets in the same manner as a homeowners or renters policy, except for the cost and coverage.
Pet insurance policies cover both spay and neuter, as well as veterinary care for pets.
What are the main reasons people are signing up for pet insurance policies?
Pet owners and renters are among the fastest growing consumers of pet care, and are among a growing group of consumers who are looking for affordable coverage for pets and services.
Pet owners and landlords are also among the most likely to purchase pet insurance.
Pet owners also can use the coverage they buy to buy pet-related services and products.
Pet insurers often offer a variety of options for pet owners, from a one-time fee for a spay or neuter exam to a monthly premium for spay/neuter.
If your pet is an injured or neglected animal, you may need to take a spaying or neutering exam.
What is covered and how much is it?
Pet insurers typically cover spay, neuter and vaccination costs, with coverage for the spay cost to cover costs for vaccination.
Pet health insurance covers the cost to treat injuries and infections.
Pet health insurance also covers vaccinations for pets, such as spay shots, vaccinations for flea and tick treatment, and rabies vaccinations.
How do I find out what pet insurance coverage I need?
Pet insurer websites generally list spay rates, vaccination rates, and other information about their pet insurance products.
Most pet insurance providers also list pet health insurance premiums.
What kind of pet coverage are available?
Pet health coverage is available from a variety, from one-day premiums, monthly premiums, and lifetime coverage.
Pet insurer coverage can be divided into three categories: pet health coverage, pet health care, pet insurance, and veterinary health insurance.
For example, a one day spay fee may be covered for a single pet, while a one month insurance plan may cover a pet with a few illnesses.
Pet Insurance Coverage TypesPet insurance covers spay for dogs, cats, ferrets, horses, and certain other pets.
It also covers vaccines and preventive care.
Pet Health CoveragePet insurance will cover spaying, neutering and vaccination for a pet if the pet is healthy, is vaccinated, spayed or neutered within a reasonable time frame, and the veterinarian determines that the vaccinations and preventive health care are appropriate.
The cost of spay is paid for by the insurance carrier.
A pet’s pet health is the responsibility of the pet owner, and it should be evaluated by a veterinarian for any health problems.
Vaccination CoveragePet insurers cover vaccinations for dogs and cats for spays and neuters.
It may cover vaccinations as long as the vaccinations are medically necessary and approved by the veterinarian.
Pet insurer coverage is usually limited to one dose per vaccination.
If the vaccination is not medically necessary, the insurer will cover the veterinary cost for the dog and the vaccine for the cat.
Vaccines for fleas and ticks are covered for dogs with spay bills exceeding $1,000, and cats with spays exceeding $10,000.
If a pet owner pays the spaying and vaccination fees and the pet has an illness, the pet may need a booster shot.
Dog Spay and Neuter coverage includes vaccination for dogs that are spayed within a 12-month period.
Pet Insurance Coverage for PetsPet insurance coverage is typically limited to dogs and pets with no medical problems or with a chronic health condition.
Coverage may also cover vaccinations, if necessary, including spay rabies shots, vaccines for flees and ticks, and vaccinations for a variety other health problems and diseases.
Pet Health CoveragePets with a medical condition may qualify for coverage for vaccinations, but they need to be medically evaluated and a veterinarian determines their needs are appropriate and reasonable.
If vaccinations are required, the animal needs to be spayed and neutered before a spayed dog or cat is considered eligible for coverage.
Dog spay costs are covered by the owner.
Cat spay prices are covered separately.
Dog health coverage may be limited to vaccinations or preventive care for cats with a spays or neuters exceeding $