Pet ownership is gaining a prominent place in people’s lives, where they are considered as a part of the family. However, like humans, pets can also encounter unexpected illnesses and accidents.
Here, pet insurance comes into play. It can save pet owners from the burden of unexpected veterinary bills and provide peace of mind. In this article, we will discuss Physicians Mutual Pet Insurance, its policies, coverage, and customer service.
What is Physicians Mutual Pet Insurance?
Physicians Mutual Pet Insurance is a branch of Physicians Mutual, a company that has been offering health and life insurance since 1902. The pet insurance was launched in 2017 to provide coverage for cats and dogs, providing them with the best of care.
The insurance company is headquartered in Omaha, Nebraska, and offers its services across the United States.
Why Choose Physicians Mutual Pet Insurance?
With multiple pet insurance companies available in the market, it can be a daunting task to choose the right one for your furry friend’s needs. Here are some reasons why Physicians Mutual Pet Insurance could be the perfect fit for you:
- Comprehensive coverage for accidents, illnesses, and routine care
- No waiting period for accidental injury coverage
- Direct payment to the veterinarian
- No age limit for pets
- 24/7 customer service and claims support
Policy Coverage
Physicians Mutual Pet Insurance offers three different policies to cater to different needs and budgets. Let’s discuss each of them:
Accident-Only Coverage
As the name suggests, this policy provides coverage for accidents only. The accidents include broken bones, lacerations, burns, and swallowing of foreign objects.
It is the most basic and affordable policy offered by Physicians Mutual Pet Insurance. However, it doesn’t provide coverage for illnesses or routine care.
Essential Coverage
This policy provides coverage for both accidents and illnesses. The illnesses include cancer, allergies, ear infections, and digestive issues. This policy also includes coverage for prescription medications and diagnostic tests.
Essential coverage is a great fit for pet owners who want comprehensive coverage without breaking their bank.
Preferred Coverage
Preferred coverage is the most comprehensive policy offered by Physicians Mutual Pet Insurance. It includes coverage for accidents, illnesses, and routine care such as wellness exams, vaccines, flea, and tick prevention.
This policy is ideal for pet owners who want all their pet’s health expenses to be covered, without worrying about out-of-pocket costs.
Customer Service
Customer service is an essential aspect to consider while choosing any insurance company. Physicians Mutual Pet Insurance claims to offer 24/7 customer service and claims support.
Customers can file their claims online or via phone. The company is committed to providing quick and easy claim processing, with a turnaround time of usually two business days.
FAQ
Here are some of the frequently asked questions about Physicians Mutual Pet Insurance:
Question |
Answer |
What does the policy not cover? |
The policy doesn’t cover pre-existing conditions, cosmetic procedures, breeding, and pregnancy. |
Is there any age limit for pets? |
No, Physicians Mutual Pet Insurance doesn’t have any age limit for pets. |
Can I choose my veterinarian? |
Yes, the policy provides the freedom to choose any licensed veterinarian in the US. |
How is the premium calculated? |
The premium is calculated based on your pet’s breed, age, and the selected policy. |
Is there any discount available? |
Yes, Physicians Mutual Pet Insurance offers a 5% discount for multiple pets. |
Conclusion
Purchasing pet insurance can avoid the emotional and financial burden that arises when pets face unexpected illnesses or accidents. Physicians Mutual Pet Insurance provides comprehensive coverage, at an affordable price, with excellent customer service.
Choosing the right policy for your furry companion can be a daunting task, but visiting Physicians Mutual Pet Insurance website and comparing the different policies can make your purchase easier.
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