How is the cost of pet insurance determined?

The cost of your policy is primarily based on your pet’s species, breed, age, and zip code. Other factors include the health history of the animal and the specific coverage limits, deductibles, and reimbursement percentages you choose. At Kelly Glass Insurance, we shop multiple carriers to find a premium that fits your budget.

Does pet insurance cover pre-existing conditions?

Most pet insurance policies do not cover conditions that existed before your policy's effective date or during the waiting period. This is why we recommend securing coverage while your pet is young and healthy. We can help you navigate different carrier rules to find the best terms for your pet’s health history.

Can I still use my local vet in Lebanon, PA?

Yes. Unlike human health insurance, pet insurance generally does not use restrictive provider networks. You are free to visit any licensed veterinarian, emergency clinic, or specialist in Pennsylvania, Maryland, or anywhere in the U.S. You simply pay the bill and submit it to your insurer for reimbursement.

What coverage options are available?

When selecting a policy, you generally choose between three tiers:

• Accident Only: Covers injuries like broken bones or toxic ingestions.
• Accident & Illness: Covers injuries plus chronic conditions, cancer, and infections.
• Wellness & Routine: An optional add-on for vaccines, flea/tick prevention, and annual exams.

How does the reimbursement process work?

It is a simple three-step process:

• Pay your veterinarian directly at the time of service.
• Submit your itemized receipt via your carrier’s mobile app or website.
• Receive your reimbursement (typically 70%, 80%, or 90% of the covered costs) via direct deposit or check.

Are there payout limits I should know about?

Yes. Most policies have a payout limit, which is the maximum amount the insurer will pay. This could be an annual limit (e.g., $5,000 per year) or a lifetime limit. Choosing a higher limit usually increases your premium, while a lower limit can help reduce your monthly cost.

What "hidden rules" should I watch out for?

The most important rule is the waiting period. Most policies have a 14-day waiting period after purchase before illness coverage begins. This prevents people from buying insurance only after a pet gets sick. Our team will help you understand these timelines so there are no surprises when you need to file a claim.