Consumer Tips

Pet Insurance 101

Having pet insurance can help reduce the cost of veterinary bills, but how does it work? Union Plus Pet Health Insurance reimburses cat and dog owners for veterinary expenses when their pets get injured. There are different plans available to help you get the coverage that meets your pet's needs.  

What is Pet Insurance?

Pet insurance reimburses you on your veterinary bills when your dog or cat gets sick or injured. Pet insurance helps you afford the best course of treatment, protects against major financial setbacks, and can give 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’s important to insure your pet when they’re still healthy, because no pet insurance plan covers pre-existing conditions. Pet insurance coverage does not start immediately, and while Pets Best offers some of the shortest waiting periods in the industry and we don't require an exam to enroll, the earlier you get pet insurance the more likely you'll receive the maximum benefit from it.

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 the horror stories about dogs that had to have their own toys surgically removed after an accidental swallowing. Or the story about the cat that got diabetes or chronic renal failure. Or the pair of Golden Retrievers that developed cancer. The story always ends the same way: the veterinary bills were enormous, making matters worse.

Vet bills will continue to be a challenge for pet parents in the face of rising veterinary costs. The equipment at your vet's office is now human-grade. The same MRI machine used at your doctor's office could be the same one at your veterinarian's clinic. Medical advances and high-end equipment give your pets the best chance at a long, happy, and healthy life, but this advancement often comes with a high price tag.

How Pet Insurance Works

You shouldn't have to worry about getting your pets the best veterinary treatment they deserve. Once you have enrolled, using pet insurance is as easy as:  

  1. Get Treatment

    When your pet becomes ill or injured, get treatment from any veterinarian of your choice
  2. File a Claim

    We make it easy with online claim filing, and there is no need to send medical records unless we request them
  3. Get Cash Back, Fast

    We process most claims in five days or less and can deposit them directly in your bank account

Learn more about the Union Plus Pet Insurance program, powered by Pets Best, that offers savings of up to 10% off monthly premiums to union members.