How does Health Insurance Work?

If you currently own a pet, you would agree when I tell you that the costs of vet care are rising. As of right now in the United States, over a million pets are covered by health insurance. However, finding correct info on health insurance isn’t simple. Here is what you need to know when it comes to health insurance.

It is not the same as human health insurance coverage. Most people want to take care of their family. However, the insurance companies see you more as property insurance not so much a health insurance. Reading and understand the guidelines for health insurance is easy according to


Advantages of purchasing health insurance online

Below we will list a few advantages to purchasing health insurance online. Read below to find out how this insurance type works.

  • You can pick your vet: As long as you pick a licensed vet, insurers won’t enforce who you can and cannot see.
  • Very simple policies: Most companies will provide you with very small policies. While one may cover accidents while another may only cover illnesses.
  • Your premiums are cheap: The average cost each month for a dog is less than 14 dollars a month for a lower tier policy. For the top plan, it can average out to around 100 dollars a month.
  • Remember: the cost will greatly depend on your pets age, breed, where you live and extra options. Health insurance for cats is considered to be cheaper than dogs.

How it works

Figuring out a health insurance policy is easy. You will end up paying a monthly or annual premium. You must pay a deductible and may also have a copay. Most annual deductibles are low. While with the copay expect to pay around 30% of costs.

There is one main difference between human and healthcare policies. You will be responsible for payment at the time of the visit. After paying your vet bill you will then file a claim with your insurance provider and then wait for payment by check. You may find that some vets will allow holding onto your payment until the check gets to you.


Start searching for coverage

To help get you started, you may begin your search online at They offer top of the line health insurance quotes. They will help you find the best coverage for you and your budget. They make searching for insurance coverage super easy.