Veterinary care has expanded in recent years to encompass advanced medical and surgical procedures as well as preventative measures that are helping our pets to experience longer, healthier lives. The team members here at Kitsap Veterinary Hospital are dedicated to ensuring that each patient receives the best care available in each situation and at every stage of their lives. Part of this effort includes offering options that help to make excellent care more affordable through medical insurance and wellness plans.
Veterinary medical insurance and pet wellness plans complement each other, but have a couple key fundamental differences. Both insurance and wellness plans are similar in that they can be secured through monthly payments. With insurance, you pay a premium based upon the coverage you prefer and the deductible you select. The monthly amount is paid whether you need to use the plan or not. With wellness plans, you make monthly payments for recommended services that are likely to be used throughout the term of the plan.
One main difference between insurance and wellness plans is that insurance is utilized when your pet is sick or injured, and wellness plans are used for preventative services when your pet is healthy. For example, insurance would be most beneficial when your dog has swallowed a rock and needs surgery to remove it. But, a wellness plan is helpful for your pet’s annual examination, vaccinations and dental cleaning. Also, insurance is provided through independent carriers and the savings is provided through reimbursement after payment is made for services. But wellness plans are administered directly through veterinary clinics like us, and the financial benefit is provided at the time of service.
Often, pets benefit from both an insurance and wellness plan together. With this approach, you have the best opportunity to provide optimal care without the worry of the financial aspect. The best way to determine what is right for your pet is to ask one of us at your next office visit. We will help you to decide what makes the most sense for your pet’s individual medical needs and stage of life.