If you’re hoping to find a truly “unlimited” pet insurance policy, I’m afraid you’re probably out of luck.  Nearly every pet insurance policy is going to have some kind of restrictions whether it be exclusions for certain breeds or certain illnesses, or exclusions on wellness care.

If this is the type of pet insurance plan you’re hoping to get then you might want to take look at coverage known as “lifetime.”  This type of policy can offer coverage for your pet throughout it’s lifetime. 

Unlimited Pet Insurance Plans

Most lifetime pet insurance policies will cover any illness and will let you file claims as often as needed.  You will, however, usually have annual limits placed on the the total amount you can claim.

There are some plans available that will offer unlimited payouts for illness or injuries.  These plans will cover all diagnostic tests, surgeries and medications and some will even cover hereditary and congenital disorders.

Keep in mind that these policies are for catastrophic events and do not usually cover the cost of routine wellness care. By eliminating these costs they are able to keep the premiums at an affordable level.

Most of these policies will cover vet fees for illness or injuries, including the continuing cost of long term vet care.

Some will even cover things like:

emergency boarding fees (if you are hospitalized)
advertising and reward costs for lost pets
no age limit — start coverage as early as 8 weeks old
24/7 phone access to a vet nurse

Is This Pet Insurance Costly?

You can find companies that will offer discounts for multiple pet policies.  Some offer discounts for purchasing plans online. You can also choose deductible levels that will affect your premiums.

I have seen plans for as little as $20 per month to over $100 per month, depending on the coverage offered.
You will also want to be sure to renew your policy annually, especially as your pet ages.  Some companies have maximum age limits to enroll pets so if you should let your policy lapse and then try to reinstate it, you might find that your pet is too old to get the coverage.

Pet care is a lot like our own health care in that pets are living longer and more cures and treatments are available to keep our faithful companions around a lot longer.

And, like our health care, things get more expensive every year!  That’s why pet insurance may be something you should consider.

Of course you need to shop around for the policy that will best suit what you are looking for.  And, as with any insurance plan, unlimited pet insurance or another type of plan, be sure to read the fine print so there won’t be any surprises!