ASPCA Pet Health Insurance
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Embrace Pet Insurance
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Spot Pet Insurance
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Terranova Insurance Services
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Geico
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Pet owners all want to protect their furry friends. Finding the right pet insurance for a dog or cat can save you money after trips to the veterinarian for illnesses or accidents. These policies reimburse you for visits to any licensed veterinarian in New York. After going to the vet, you submit a claim to the pet insurance company for reimbursement. The reimbursement amount depends on your policy, but usually ranges from 70% to 90% for qualifying visits.
Pet insurance also includes an annual deductible amount and annual limit. The deductible, or the amount you have to contribute before the company starts paying, is often between $100 and $1,000. The annual limit, or the maximum amount the insurance company will pay in a year, ranges from several thousand dollars to $30,000 or more.
Pet insurance generally covers:
Pet insurance policies don’t cover:
When you sign up for pet insurance in Buffalo, you usually have to wait for at least 14 days for coverage to start for illnesses. Accidental coverage may start sooner.
Pet insurance is one way to make sure your pet is well cared for. Other veterinary and pet care resources are also available in Buffalo, including:
How much is a vet visit in Buffalo?
A routine vet visit, including a wellness exam, in Buffalo starts at around $50. If your pet needs shots, testing, medications or procedures, the cost can rise quickly.
Do all Buffalo veterinarians accept pet insurance?
Unlike with health insurance for humans, you don’t have to search for an “in-network” veterinarian. With pet insurance, you can visit any veterinarian, then seek reimbursement from your pet insurance company.
What can I do if I can't afford a vet in Buffalo?
Many cities, including Buffalo, have clinics that offer discounted veterinary services. These clinics offer basic wellness care, including physicals, diagnostic tests and vaccines.
Do any pet insurances cover preeexisting conditions in New York?
No, pet insurance companies don’t cover preexisting conditions. However, each insurer’s definition of a preexisting condition is different, so be sure to read the fine print or ask the insurer about coverage.
What are common preexisting conditions in cats?
Common preexisting conditions in cats include diabetes, kidney disease and hyperthyroidism.
Is pet insurance worth it in New York?
While pet insurance won’t cover the costs of routine vet visits, it’s helpful to have in case of an emergency. Visits to the vet are expensive, and pet insurance reimburses you for up to 90% of the costs.
ASPCA Pet Health Insurance |
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ASPCA Pet Health Insurance provides complete and accident-only coverage for dogs and cats. Pet owners receive a 10% discount for insuring more than one pet. Customers can customize their pet insurance to include an unlimited coverage limit, a deductible as low as $100 and 70% to 90% reimbursement. |
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Embrace Pet Insurance |
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Embrace Pet Insurance provides comprehensive illness and accident coverage for pets in Buffalo and nationwide. Plans cover surgery, hospitalization and specialist care. The company also offers several discounts, including the “Healthy Pet Deductible,” a multiple pet discount, a military discount and an employee benefits discount. There is a 14-day waiting period for illness coverage and two-day waiting period for accident coverage. Annual reimbursement limits range from $5,000 to $30,000, and deductibles from $200 to $1,000 are available. |
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Spot Pet Insurance |
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Spot Pet Insurance provides customizable pet insurance options for cats and dogs. The company also offers accident-only pet insurance, starting at $15 a month. Spot Pet Insurance covers items such as medical supplies, behavioral treatments and prescription medications. Plans come with a 30-day money-back guarantee. |
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Terranova Insurance Services |
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Terranova Insurance Services is an independent insurance agency that provides customers with pet insurance for their furry friends. Contact the agency using the online form or by phone for a free quote. Terranova Insurance Services is located at 6546 E. Quaker St., Orchard Park, NY 14127. |
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Geico |
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Geico offers pet insurance to help cover the cost of veterinarian bills related to illnesses, accidents, dental care and more. Its policies reimburse up to 90% of the vet bill. Plans start at $1 a day. Discounts are available for spayed and neutered pets, paying in full and insuring multiple pets. Geico is located at 1102 Union Road, First Floor, Buffalo, NY 14224. |
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