A Guide to Pet Insurance

Kapolei Pet Hospital • January 12, 2023

When it comes to pet care, you probably know how important annual visits are. However, there may come a time when your pet experiences a chronic health condition requiring frequent care or needs emergency assistance. In this case, pet insurance can help you get the treatment you need while also saving a bit of money. Because pet insurance is often misunderstood, lots of people don't take advantage of it. This guide explains what to expect and why you should sign up as soon as possible. 

How Does Pet Insurance Work?

Pet insurance is designed to offset unexpected costs at the vet. Professional pet care can be exorbitantly expensive, especially when it comes to emergency treatment. Accordingly, the right coverage ensures you can pay for essential treatments without worrying about your household budget.

In exchange for a monthly premium, the insurance agency will provide funds for certain treatments and conditions, as explained in your policy. In most cases, 70% to 100% of the cost is paid, provided the medical event is covered. However, pet insurance is different in the sense that funds will be provided directly to you and not the vet clinic administering the service. So, you will still need to pay your vet bill in full, then get reimbursed. This is actually quite beneficial, since it means you can visit any vet you desire. 

What Are the Benefits?

You never know when a medical emergency might affect your pet. Many pets also experience chronic health issues as they get older, and these issues require continuous treatment to ensure your pet retains a good quality of life. 


Without pet insurance, these costs would be your sole responsibility. On the other hand, the right coverage provides essential financial support for you and your furry family members. In addition to financial assistance, you'll also experience greater peace of mind. 

What Are the Benefits?

You never know when a medical emergency might affect your pet. Many pets also experience chronic health issues as they get older, and these issues require continuous treatment to ensure your pet retains a good quality of life. 


Without pet insurance, these costs would be your sole responsibility. On the other hand, the right coverage provides essential financial support for you and your furry family members. In addition to financial assistance, you'll also experience greater peace of mind. 

Proudly serving the west side of Oahu since 2014, Kapolei Pet Hospital believes in providing essential resources to local pet owners. They also offer kind and compassionate pet care services, including wellness exams, dental care, spaying and neutering, and vaccinations. They even provide state-of-the-art treatments, like stem cell therapy. Schedule an appointment today by calling (808) 462-8040. You can also visit the website to learn more about their services. 

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