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Does Pet Insurance Cover X-Rays?

2 Mins read
Does pet insurance cover x-rays

We all want the best for our pets, and having pet insurance can offer peace of mind and the ability to provide the best care possible for them. Whether you’re simply interested in saving some money during routine checkups, or you’d like to be prepared in case the worst happens, there are many policy options to suit your needs. In researching which company and policy would be best for you and your animal friend, it’s important to know the type of coverage your money is actually buying. With so many plans to choose from, you might find yourself with questions such as: does pet insurance cover x-rays? The simple answer to that question is “yes,” but coverage of x-rays will vary depending on policy and provider. 

One of the more popular pet insurance policies is what’s known as “Accident Only,” providing coverage for injuries and conditions that have occurred accidentally such as broken bones, bite wounds, ingestion of toxins, and more. The specific services covered under this plan will vary by provider, but all include access to x-rays. Under an Accident Only plan, x-rays that have been ordered or recommended by the veterinarian are covered; however, some requests for diagnostic x-rays not deemed medically necessary by the vet might not be covered under this plan. For more extensive coverage, it may be necessary to purchase a more comprehensive policy which includes access to diagnostics and testing for an additional fee. Top pet insurers such as Nationwide offer policies like their “Whole Wellness Plan,” which include coverage for diagnostic tools like MRIs, CT scans, and of course x-rays. Although x-rays are a staple of most pet insurance plans, it’s also beneficial to know which services pet insurance does not cover. Pre-existing conditions, office visits, and routine care and wellness such as spaying and neutering, annual checkups, and vaccines are not typically included in insurance policies. Some providers will allow an optional policy add-on to cover a portion of these costs, but it’s important to familiarize yourself with any exclusions. You might be worried about how much all of this is going to cost you, but it’s possible to find a plan to protect your pet without breaking the bank. In fact, given the high out-of-pocket costs of many veterinary procedures, investing in pet insurance now can save you thousands of dollars down the line. The monthly cost of pet insurance can vary anywhere from $15-300 depending on factors such as age, breed, medical history, and policy. In looking at seven of the top-rated pet insurance providers, the average cost is around $50 per month for a one year-old dog, and $25-50 for a cat of the same age, making pet insurance both practical and affordable. Owning a pet means knowing that some things in life are out of your control, and the time to think about pet insurance isn’t after an accident has already occurred. So think about your pet’s future and start looking into your options today. Fido will thank you.

Also Read: Pet Insurance For Older Dogs

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