Do You Really Need Pet Travel Insurance?

Do You Need Pet Travel Insurance?

Have you ever purchased trip insurance when you bought a plane ticket? If so, you know that an extra $10-$20 dollars can provide peace of mind in the event that you can’t make your trip as planned.

But what happens if you’re bringing your pet along and your pet gets sick? Can you receive a refund if there’s an emergency with Fido?  It turns out that the answer is “yes,” IF you’ve extended your pet health insurance to cover a planned trip.

What’s the Difference between Pet Insurance and Pet TRAVEL Insurance?

Traditional pet insurance like that offered by Embrace, HealthyPaws, Petplan and others, is health insurance. That means it applies to potential pet health emergencies.

Pet TRAVEL insurance applies specifically to travel. As mentioned above, it’s usually an “add on” to your current pet insurance plan. However, whether you need it depends on what type of traveling you’re doing and how flexible you are. For example, if you’re planning a road trip with your pet, then travel insurance may not be necessary.

For example, Embrace pet insurance covers any visit to a licensed veterinarian. That means if you’re on the road and your pet requires medical treatment, this type of pet insurance will cover the visit without any “out of network” complications.

If you’re one of the thousands who travel with your pet in the car or an RV domestically, standard pet health insurance will probably meet your needs – just check with your provider. However, if you’re planning for international travel with your pet, then inquire with your insurance provider for more details on having a pet travel rider added to your insurance plan.

On the other hand, if airline travel is in your pet’s future, then pet travel insurance may be useful. With airline travel, you have upfront costs such as pre-paid tickets (even for your pets) and if your pet has an accident or illness that prevents such travel, you’ll want to be prepared.  As mentioned above, Embrace offers a special rider to your policy to cover trip cancellations due to such instances.

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Be Informed of Rules and Regulations When Traveling By Plane With Your Pet

Review Your Pet Insurance Carefully

As with any insurance, what works best for you depends on your lifestyle. The American Veterinary Medical Association recommends comparing pet insurance policies carefully. Review any limitations on how the policy affects pre-existing conditions or aging pets.  You can even call your veterinarian’s office to see if they have insurance recommendations.

Being prepared will ease your concerns a bit so that both you and your pet can enjoy the trip.

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