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The Ultimate Guide to Pet Insurance: What You Need to Know

The Ultimate Guide to Pet Insurance: What You Need to Know

By -Published On: May 9th, 2023-Categories: Pet Health, Pet Insurance-

As pet owners, ensuring the health and happiness of our furry friends is paramount. Pet insurance offers a way to manage veterinary costs, providing financial security and peace of mind. This guide details everything about Pin Paws Pet Care, including coverage, how to submit a claim, and the benefits of enrolling your pet.

What is Pet Insurance?

Pet insurance is health insurance for pets that covers veterinary care costs, including exams, diagnostic tests, surgeries, and medications. By paying a monthly premium, pet owners can be reimbursed for a portion of their pet’s medical expenses.

How Does Pet Insurance Work?

Pin Paws Pet Care, underwritten by Metropolitan General Insurance Company, offers customizable coverage levels and deductible options. After paying for veterinary care, pet owners submit a claim for reimbursement based on their policy’s terms.

Example Incident:

If your pet requires a $2,000 surgery for swallowing a toy, with a plan having a $200 deductible and 90% reimbursement, you could receive $1,620 back.

Pet Insurance Coverage

Pin Paws Pet Care covers a wide range of medical care for accidents, illnesses, chronic conditions, and more. However, pre-existing conditions or certain limits may apply. Coverage begins immediately for accidents, with illness coverage starting 14 days later.

  • Accidents and injuries
  • Illnesses and conditions
  • Exams and prescriptions
  • Procedures and diagnostics
  • Holistic/Alternative therapies

Wellness Coverage

Optional wellness coverage includes routine care like annual exams, vaccinations, and dental work, aiding in preventative health management.

Pre-Existing Conditions

Most policies do not cover pre-existing conditions, emphasizing the importance of early insurance enrollment.

End of Life Care

Pin Paws Pet Care offers a mortality benefit, covering up to $500 for cremation or burial expenses, with a reimbursement for the pet’s purchase or adoption cost under certain conditions.

Submitting a Claim

The claim process is designed to be straightforward, allowing pet owners to focus on their pet’s recovery. From collecting veterinary information and records to submitting claims through various channels, Pin Paws Pet Care simplifies the reimbursement process.

In Conclusion

Pin Paws Pet Care provides a safety net for pet owners, covering unexpected veterinary costs and ensuring pets receive the care they need. With customizable plans and a straightforward claims process, Pin Paws Pet Care is a valuable investment in your pet’s health and well-being.

For more information or to get started with Pin Paws Pet Care, contact us at (888)746-7297.

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1For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.

2Covered only if related to an illness, injury, or medically necessary

3Grief Counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Grief counseling services provided by TELUS Health are separate and apart from the insurance provided by MetLife. Not available to NY residents.

4 Covered only if recommended by a vet for illness, injury, or prevention

5Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply.

6Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors. Based on a March 2023 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor’s policy or coverage, please contact them or their representative directly.

Health Coverage for Your Furriest Family Members

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(844) 746-7297

© 2018 - 2024 Pin Paws, LLC • All Rights Reserved.

1For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.

2Covered only if related to an illness, injury, or medically necessary

3Grief counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Read More

4 Covered only if recommended by a vet for illness, injury, or prevention

5Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply.

6Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Read More

Our Pin Paws team will be out of office for the Christmas break from December 23rd to December 29th to enjoy some much-needed time with their loved ones, both two- and four-legged. We’ll be back and ready to assist you on December 30th. If you need immediate assistance or have found a lost pet, please call our 24/7 hotline at 844-746-7297. Thank you for your understanding, and we wish you a wonderful holiday season!

Our Pin Paws team will be out of office for the Christmas break from December 23rd to December 29th to enjoy some much-needed time with their loved ones, both two- and four-legged. We’ll be back and ready to assist you on December 30th. If you need immediate assistance or have found a lost pet, please call our 24/7 hotline at 844-746-7297. Thank you for your understanding, and we wish you a wonderful holiday season!

How Does the Pin Paws Family Plan Work?

The Family plan from Pin Paws Pet Care, backed by MetLife Pet, provides coverage for all your furry family members. You’ll enjoy the advantages of a typical MetLife Pet Insurance plan, but with a single policy and a shared deductible for up to three dogs or cats.

The benefits of the Family Plan are as follows:

  • Enroll up to three pets under one policy
  • Customizable plan options
  • Policies can be a mix of cats and dogs
  • Optional Preventive Care coverage

  • One annual limit shared across all pets in the family plan

  • One annual deductible per policy
  • No per-pet coverage limits

Multiple Pet Discount

Get a discount when you group up to three dogs and cats together on the same plan for easy savings.

Shared Deductible

Add up to three dogs and cats onto the same policy, and hit your deductible faster.

Combine Cats & Dogs

No need to manage multiple plans. Group your cats and dogs into a single plan for simplicity and ease.

Flexible Coverage

A shared annual limit lets you allocate more coverage where needed, while protecting your other pets.

How Pin Paws Pet Care Can Help You Save

Our customizable pet insurance plans can reimburse up to 90% of your vet bills.
Here’s an example of how Pin Paws Pet Care can help a pet parent save.

Skin Allergies

What You Can Save 6

. .
You Pay
$250 Total Vet Bill
$2,500
Piggy Bank
Pin Paws Pet Care Covers $2,250

Growth or Tumor

What You Can Save 6

. .
You Pay
$160 Total Vet Bill
$1,600
Piggy Bank
Pin Paws Pet Care Covers $1,440

Heart Disease

What You Can Save 6

. .
You Pay
$250 Total Vet Bill
$2,500
Piggy Bank
Pin Paws Pet Care Covers $2,250

Diabetes

What You Can Save 6

. .
You Pay
$290 Total Vet Bill
$2,900
Piggy Bank
Pin Paws Pet Care Covers $2,610

Broken Bone

What You Can Save 6

. .
You Pay
$240 Total Vet Bill
$2,400
Piggy Bank
Pin Paws Pet Care Covers $2,160

Severe Trauma

What You Can Save 6

. .
You Pay
$1,000 Total Vet Bill
$10,000
Piggy Bank
Pin Paws Pet Care Covers $9,000

Poisoning

What You Can Save 6

. .
You Pay
$300 Total Vet Bill
$3,000
Piggy Bank
Pin Paws Pet Care Covers $2,700

Cruciate Ligament Tear

What You Can Save 6

. .
You Pay
$500 Total Vet Bill
$5,000
Piggy Bank
Pin Paws Pet Care Covers $4,500

Dental Cleaning

What You Can Save 6

. .
You Pay
$50 Total Vet Bill
$500
Piggy Bank
Pin Paws Pet Care Covers $450

Spay or Neuter

What You Can Save 6

. .
You Pay
$60 Total Vet Bill
$600
Piggy Bank
Pin Paws Pet Care Covers $540

Vaccination

What You Can Save 6

. .
You Pay
$6 Total Vet Bill
$60
Piggy Bank
Pin Paws Pet Care Covers $54

Parasite Prevention

What You Can Save 6

. .
You Pay
$21 Total Vet Bill
$210
Piggy Bank
Pin Paws Pet Care Covers $189

Skin Allergies

What You Can Save 6

. .
You Pay
$250 Total Vet Bill
$2,500
Piggy Bank
Pin Paws Pet Care Covers $2,250

Growth or Tumor

What You Can Save 6

. .
You Pay
$160 Total Vet Bill
$1,600
Piggy Bank
Pin Paws Pet Care Covers $1,440

Heart Disease

What You Can Save 6

. .
You Pay
$250 Total Vet Bill
$2,500
Piggy Bank
Pin Paws Pet Care Covers $2,250

Diabetes

What You Can Save 6

. .
You Pay
$290 Total Vet Bill
$2,900
Piggy Bank
Pin Paws Pet Care Covers $2,610

Broken Bone

What You Can Save 6

. .
You Pay
$240 Total Vet Bill
$2,400
Piggy Bank
Pin Paws Pet Care Covers $2,160

Severe Trauma

What You Can Save 6

. .
You Pay
$1,000 Total Vet Bill
$10,000
Piggy Bank
Pin Paws Pet Care Covers $9,000

Poisoning

What You Can Save 6

. .
You Pay
$300 Total Vet Bill
$3,000
Piggy Bank
Pin Paws Pet Care Covers $2,700

Cruciate Ligament Tear

What You Can Save 6

. .
You Pay
$500 Total Vet Bill
$5,000
Piggy Bank
Pin Paws Pet Care Covers $4,500

Dental Cleaning

What You Can Save 6

. .
You Pay
$50 Total Vet Bill
$500
Piggy Bank
Pin Paws Pet Care Covers $450

Spay or Neuter

What You Can Save 6

. .
You Pay
$60 Total Vet Bill
$600
Piggy Bank
Pin Paws Pet Care Covers $540

Vaccination

What You Can Save 6

. .
You Pay
$6 Total Vet Bill
$60
Piggy Bank
Pin Paws Pet Care Covers $54

Parasite Prevention

What You Can Save 6

. .
You Pay
$21 Total Vet Bill
$210
Piggy Bank
Pin Paws Pet Care Covers $189

Cost info sourced from How Much Does a Vet Visit Cost? and Average emergency vet costs what to expect.

What’s Not Covered Under Pin Paws Pet Care?

To help make insurance premiums affordable for all pet parents, there are some exclusions- as with every pet insurance company. The following are not covered under any Pin Paws Pet Care policy:

  • Microchipping
  • Breeding or conditions related to breeding
  • Obedience training
  • Grooming costs and routine nail trims
  • Non-prescription food
  • Organ transplant

  • Illness or injury that arises out of racing, coursing, commercial guarding, law enforcement, or organized fighting of your pet

  • Health/travel certificates
  • Elective surgeries

  • Cosmetic or aesthetic procedures

What’s Not Covered Under Pin Paws Pet Care?

To help make insurance premiums affordable for all pet parents, there are some exclusions- as with every pet insurance company. The following are not covered under any Pin Paws Pet Care policy:

  • Microchipping
  • Breeding or conditions related to breeding
  • Obedience training
  • Grooming costs and routine nail trims
  • Non-prescription food
  • Organ transplant

  • Illness or injury that arises out of racing, coursing, commercial guarding, law enforcement, or organized fighting of your pet

  • Health/travel certificates
  • Elective surgeries

  • Cosmetic or aesthetic procedures

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