Protect the Pets Who Are Part of Your Family
Pets have a special way of becoming more than animals living in our homes—they become part of the family. They greet us at the door, join us on adventures, comfort us when we need it, and create memories that last a lifetime. At Long Insurance, we understand that protecting your family can include protecting your four-legged family members, too.
Pet insurance can help make unexpected veterinary expenses more manageable, so decisions about your pet’s care can focus more on what they need and less on what an unexpected vet bill may cost.
Whether you have a playful new puppy, a curious kitten, or a longtime companion who has been by your side for years, Long Insurance can help you explore pet insurance options that fit your pet and your budget.
Meet Beau 🐾
Meet Beau 🐾Because some family members just happen to have four legs.
Pets Are Family, Too
For many of us, our pets are there for everyday moments and some of life’s biggest milestones. We want them to live long, happy and healthy lives—and when an accident or illness occurs, we want to be able to give them the care they need.
Veterinary medicine can provide pets with increasingly sophisticated treatments, diagnostics and procedures, but those services can also result in significant out-of-pocket expenses. Pet insurance is designed to help eligible pet owners manage some of those unexpected veterinary costs.
Instead of waiting until something happens, having coverage in place can provide additional financial protection for the pet you already consider priceless.
What Is Pet Insurance?
Pet insurance is coverage designed to help with eligible veterinary expenses when an insured pet becomes sick or injured.
Depending on the insurance company and plan you select, coverage may be available for expenses associated with accidents, illnesses, diagnostic testing, medications, surgery, hospitalization and other veterinary care.
Some companies may also offer optional wellness or preventive-care benefits.
Pet insurance policies vary, so it is important to understand the deductible, reimbursement percentage, annual or lifetime limits, waiting periods, exclusions and other provisions before choosing coverage.
What Can Pet Insurance Cover?
Depending on the policy and insurance carrier, pet insurance may help with eligible costs involving:
- Accidents & Injuries — including broken bones, cuts, bites or accidental ingestion
- Illnesses — treatment for eligible illnesses and health conditions
- Diagnostic Testing — such as bloodwork, X-rays, ultrasounds and other testing
- Emergency Veterinary Care — unexpected visits to an emergency veterinarian
- Surgery & Hospitalization — eligible surgical procedures and hospital stays
- Prescription Medications — medications prescribed for covered conditions
- Specialist Care — eligible treatment from veterinary specialists
- Chronic Conditions — ongoing treatment for eligible covered conditions
- Optional Wellness Care — certain plans may offer benefits for routine or preventive care
What isn’t typically covered by pet insurance?
Coverage varies by policy, but pre-existing conditions are commonly excluded, and policies may include waiting periods and other limitations. Routine veterinary care, vaccinations, dental care or preventive services may also require separate wellness coverage where available.
We can help you understand the available options before you choose a policy.
Why Consider Pet Insurance?
An unexpected veterinary emergency can happen to almost any pet.
A dog may swallow something it shouldn’t. A cat may suddenly become ill. An active pet could suffer an injury. Even a seemingly minor problem can require diagnostic tests, medication or treatment.
Pet insurance can provide another layer of financial protection when those unexpected situations occur.
Pet insurance may help you:
Prepare for unexpected veterinary bills
Insurance can help reduce your exposure to eligible expenses associated with covered accidents or illnesses.
Choose care based on your pet’s needs
Coverage may make it easier to consider recommended treatment when faced with an unexpected veterinary expense.
Protect your household budget
Instead of absorbing the entire cost of an eligible veterinary bill at once, insurance may reimburse a portion based on your policy.
Plan ahead while your pet is healthy
Because pre-existing conditions are generally excluded, pet owners often consider coverage before a significant medical condition develops.
Pet Insurance for Dogs
Dogs of every size, breed and age can experience unexpected accidents or health problems.
Dog insurance can help cover eligible veterinary expenses resulting from covered injuries and illnesses, depending on the policy you select.
Whether your dog is an energetic puppy, your daily walking companion or a senior member of the family, we can help you explore available pet insurance options.
Pet Insurance for Cats
Cats may have nine lives, but veterinary care can still get expensive.
Cat insurance can help with eligible veterinary expenses associated with covered accidents and illnesses, from unexpected injuries to diagnostic testing and treatment.
Whether your cat spends the day exploring the house, watching birds from the window or finding increasingly creative places to sleep, protecting their health can be an important part of protecting your family.
How Does Pet Insurance Work?
Although policies differ between insurance companies, the process generally works like this:
- Choose a pet insurance plan based on the coverage, deductible, limits and reimbursement options available to you.
- Visit your veterinarian when your pet needs eligible medical care.
- Pay the veterinary bill according to the veterinarian’s payment requirements.
- Submit an eligible claim to the pet insurance company.
- Receive reimbursement based on the terms and reimbursement percentage provided by your policy.
Specific claims procedures and benefits vary by insurance carrier and policy.
How Much Does Pet Insurance Cost?
The cost of pet insurance depends on several factors, which can include your pet’s species, breed, age, location and the coverage options you select.
Your deductible, reimbursement percentage and annual coverage limit can also affect the premium.
Because every pet and household is different, the best way to determine the cost is to request a personalized pet insurance quote.
Local Pet Insurance From Long Insurance
Long Insurance is an independent insurance agency serving families and businesses from our offices in Prosper and Gladewater, Texas. We serve customers throughout Texas, Oklahoma and Louisiana.
If you’re searching for:
Pet insurance in Prosper, TX
Pet insurance in Gladewater, TX
Pet insurance in East Texas
Dog insurance in Texas
Cat insurance in Texas
Pet insurance in Oklahoma
Pet insurance in Louisiana
…our team is here to help you explore your options.
Insurance doesn’t have to be complicated. We’ll help you understand the available coverage so you can make an informed decision for your pet and your family.
Pet Insurance FAQs
Is pet insurance worth having?
Pet insurance can be valuable for owners who want protection against eligible unexpected veterinary expenses. Whether it makes sense for you depends on your pet, financial situation, coverage selected and your comfort with paying unexpected veterinary bills out of pocket.
Does pet insurance cover regular vet visits?
Standard accident-and-illness coverage may not include routine preventive care. Some insurers offer optional wellness coverage that can help with certain routine expenses. Coverage varies by plan.
Does pet insurance cover pre-existing conditions?
Pet insurance policies commonly exclude pre-existing conditions. Definitions and exclusions vary by insurance company, so reviewing the specific policy terms is important.
Can older pets get pet insurance?
Coverage may be available for older pets, but eligibility, pricing and available benefits can vary based on the pet’s age and the insurance company.
Can I get pet insurance for both dogs and cats?
Yes. Pet insurance is commonly available for both dogs and cats. Policy options and premiums vary by species, breed, age, location and selected coverage.
When should I buy pet insurance?
Many owners consider purchasing coverage while their pet is young and healthy because conditions that exist before coverage begins may be considered pre-existing and excluded from future coverage.
Can I use my own veterinarian?
Many pet insurance plans allow policyholders to receive care from licensed veterinarians rather than requiring a traditional health-insurance-style provider network. Requirements vary by insurer, so check the specific policy.
How do I get a pet insurance quote?
Contact Long Insurance or complete our online quote request. Tell us a little about you and your pet, and our team can help you explore available pet insurance options.
Protect Every Member of Your Family
They can’t ask whether they’re insured—but they depend on you for just about everything else.
From everyday companionship to unforgettable adventures, our pets give us plenty of reasons to protect them. Pet insurance can help you prepare for the unexpected and give your four-legged family member another layer of protection.
Let Long Insurance help you find coverage for the pets you love.
Ready to Protect Your Pet?
Coverage, eligibility, exclusions, waiting periods, deductibles, reimbursement amounts and policy availability vary by insurance carrier, policy and state. Refer to the applicable policy documents for complete terms and conditions.