Pet Health Insurance

Comment on this policy

The AVMA endorses the concept of pet health insurance that provides coverage to help defray the cost of veterinary medical care. The AVMA recognizes that viable pet health insurance programs will be important to the future of the veterinary profession's ability to continue to provide high quality and up-to-date veterinary service.

These programs should comply with the following guidelines:

  1. Requires a veterinarian/client/patient relationship
  2. Allows pet owners to choose their own veterinarian, including specialists and emergency/critical care facilities the pet may need
  3. Never interferes with the veterinarian's fee structures
  4. Is offered only where the policies are approved by the state insurance regulatory agency
  5. Is consistent with the Principles of Veterinary Medical Ethics and the pet health insurance industry ethical standards
  6. Uses a licensed veterinarian to assist in claims adjudication
  7. Is clear about their policy limits, pricing structure, and optional coverage (for example, wellness coverage for annual visits) that might be available to the policy holder
  8. Is transparent about how the terms and conditions of their plans will impact coverage and cost, including the financial obligations of the policy holder such as co-pays, deductibles, and exclusions
  9. Communicates about the fee reimbursement process clearly (how reimbursement is determined and how quickly reimbursements are provided to the policy holder)