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Pet insurance is a precious asset. Pet insurance can save families from making heartbreaking decisions about their pets’ care and lives when vet bills would otherwise be overwhelming.

As we at Mitten Heritage Fraternal Society of Insurance often remind our customers in Berville, MI, and throughout the state, pet insurance in Michigan opens doors for pet owner services you might not expect.

What can you expect from your pet policy?

Almost any pet qualifies for accident-only coverage. These policies cover vet bills for bites from other animals, bee and wasp stings, broken bones, car accidents, cuts, lacerations, eye injuries, broken teeth, poisoning, ruptured tendons and ligaments, torn or broken nails, and swallowing foreign objects.

Younger pets can also be insured for illnesses such as arthritis, allergies, diabetes, cancer, heart disease, ear infections, skin conditions, kidney disease, thyroid disorders, skin conditions, and urinary tract infections. Getting coverage for puppies and kittens as soon as they are eligible, usually at the age of eight weeks, and keeping up your premiums is the best way for you to avoid the severe financial costs and tragic decisions involved in taking care of older pets.

In Michigan, your pet insurance also helps you get your pets chipped for easier recovery should they get lost or run away. Your Michigan pet insurance will help you find a home for your pet if keeping it proves to be impossible. Your pet insurance can also help in the event of legal consequences of an animal attack.

Mitten Heritage Fraternal Society of Insurance, serving Berville, MI, and all of the state, can also help you find insurance for exotic pets, such as rabbits, birds, fish, reptiles, and other mammals.

What doesn’t pet insurance cover?

Routine checkups and immunizations are still your responsibility. Older pets may not get illness coverage if they have not been insured before. 

But don’t give up on insuring your pet! Call Mitten Heritage to get the insurance your pet needs today!

At Mitten Heritage Fraternal Society of Insurance, we carry pet insurance for a good reason: because it’s a good investment for most pet owners. This couldn’t be more true for dog owners with pets who frequent the outdoors, where a number of potential hazards await.

Here are four of the most common (and costly) risk concerns for these pets:

1. Hazards of Extreme Temperatures

Harsh temps like the frigid ones we face in Berville, MI can make it challenging to keep canines warm in winter, while warm summers can pose concerns, too. Predominantly hypothermia, heat stroke, and dehydration, both of which are potentially deadly and require immediate emergency attention.

2. Parasite Exposure

There are quite a few parasites outdoors, including fleas, ticks, and worms. Not only are they pesky for pets, but they can cause serious discomfort and even diseases, many of which are transmittable to other animals and humans. Many of these issues can be avoided through preventive medicine, but serious infestations tend to require medical treatment.

3. Increased Risk of Injuries

Outdoor activities can be riskier than indoor environments. Common injuries include:

• Predator Attacks

• Puncture Wounds

• Vehicles & Traffic

• Lacerations

• Accidental Poisoning

4. Development of Behavioral Problems

Should your canine identify another human or pet as a threat, they can bite or attack them. This can lead to a costly lawsuit that results in thousands of dollars in legal fees. While renters and home insurance may cover that, those policies won’t cover any issues your dog suffers.

We Are Here To Help

If you have a furry friend, regardless of whether they are a cat or dog, having pet insurance helps them get the care they need during both emergencies and routine wellness needs. Contact us today to learn more or get a quote for coverage. Mitten Heritage Fraternal Society of Insurance is here to assist the greater Berville, MI area residents. 

Pet insurance is a kind of health insurance policy for pets, and depending on the coverage you choose, it can pay for medical expenses and even other costs. Our pet insurance plans at Mitten Heritage Fraternal Society of Insurance in Berville, MI may be reimbursement-based or directly paid to the vet after any deductibles. Let’s discuss the most common pet insurance plan types.

Policies to Protect Pet Wellness and Your Wallet

There are several plan options available for pet insurance, and it’s likely that we accept most provider’s policies. Some to consider include:

Comprehensive Coverage

If you want your pet to have the best coverage possible, choosing a comprehensive policy is the way to go. Often called a “nose-to-tail” policy, this option covers:

• Routine Checkups & Wellness Plans
• Vaccinations
• Diagnostic Testing
• Injuries
• Chronic & Hereditary Conditions
• Flea, Tick & Heartworm Prevention

Accident and Illness Coverage

These policies generally cover veterinary bills related to physical injuries and hereditary and common conditions. Serious conditions, such as cancer, are also covered. However, routine wellness exams, vaccinations and other routine preventives are not covered under this policy.

Pet Wellness Coverage

For pet owners only looking to cover routine veterinary checkups and wellness-related expenses such as vaccinations and pest prevention this is an affordable plan. Those who want extra protection can add this coverage to an illness or accident plan.

Accident-Only Coverage

If a pet is injured in an accident, this policy will help cover related expenses. However, no illness-related or wellness coverage is included.

Schedule A Consultation Today

At Mitten Heritage Fraternal Society of Insurance in Berville, MI, we offer a full array of insurance options for home, auto, life, and even your furry friends. We are locally owned and operated but offer those in Macomb County and all of Michigan affordable policies. Contact us today for a quote.