Does pet insurance cover microchipping? Pet insurance has become increasingly popular as pet owners are looking for more ways to manage unexpected vet costs and provide the best care for their furry companions.
Many policies cover a wide range of services, from accidents to illnesses. Hence, they ensure that pets receive timely and adequate treatment.
However, as pet owners explore what is and isn’t covered by pet insurance, there is one question they mainly ask; “Does pet insurance cover microchipping?”
However, while the procedure is relatively affordable, pet owners often wonder if pet insurance policies include microchipping as part of their coverage.
Why Is It Important?
Microchipping involves the implantation of a small electronic device, roughly the size of a grain of rice, beneath a pet’s skin, usually between the shoulder blades. It significantly increases the chances of reuniting lost pets with their owners.
Furthermore, this procedure is quick, minimally invasive, and can be performed during a routine veterinary visit. Each microchip contains a unique identification number that is registered in a database along with the owner’s contact information.
Why Microchipping Matters
Does pet insurance cover microchipping? Microchipping offers peace of mind and security for pet owners. While collars and tags are mainly used, it can be lost or removed.
A microchip provides a permanent and reliable method of identifying pets, making it an invaluable tool in reuniting lost or stolen pets with their families.
According to studies, microchipped pets are significantly more likely to be returned to their owners compared to those without microchips.
Does Pet Insurance Really Cover Microchipping?
Pet insurance policies vary widely in terms of what they cover. Most standard policies mainly focus on accident and illness coverage. However, microchipping is not always included as a standard benefit.
This is because microchipping is considered a preventive measure or an elective procedure rather than a medical necessity. However, some insurance providers include microchipping under specific plans or as part of wellness or preventive care add-ons.
Policies That May Cover Microchipping
If you would like to know, here are some of the policies that do cover microchipping:
- Wellness Plans: Many insurers offer wellness or preventive care plans as part of optional add-ons. What’s more, these plans often cover routine procedures such as annual exams, spaying or neutering, vaccinations, and microchipping.
- Discount Programs: While this is not direct coverage, some insurance providers offer discounts on microchipping services as a benefit for policyholders.
- Comprehensive Plans: A few comprehensive pet insurance policies may include microchipping as part of their broader coverage. Also, it’s essential to read the policy details carefully or consult with the provider to confirm.
How To Determine If Your Pet Insurance Covers Microchipping
To determine if your pet insurance covers microchipping, you’ll need to thoroughly review your policy documents. Look under sections related to wellness, preventive care, or additional benefits.
Furthermore, if the policy language is unclear, don’t hesitate to contact your insurance provider for clarification.
Asking The Right Questions
When evaluating a pet insurance policy, consider asking the following questions:
- Is microchipping covered under the standard policy or wellness add-ons?
- Are there any caps on coverage or reimbursements for microchipping?
- Does the policy provide discounts for microchipping services?
- Are there specific veterinarians or clinics I must use to receive coverage?
You can work with your insurance provider on these questions to understand more about what you will be getting from your pet insurance.
The Benefits Of Microchipping
Here are some of the top benefits of microchipping your pet regardless of whether it is included in your pet insurance or not:
Increased Chances Of Recovery
Microchipped pets are more likely to be reunited with their owners if lost. Shelters and veterinary clinics routinely scan stray animals for microchips, making it easier to locate owners.
Legal Requirements
In some regions, microchipping is mandatory for pets, particularly for certain breeds or those traveling internationally. It would be a wise decision to consider microchipping as a proactive step to comply with legal requirements.
Low Cost And Long-Term Value
Even if pet insurance doesn’t cover microchipping, the procedure is relatively affordable, usually costing between $25 and $50. Considering its lifetime benefits, it’s a small price to pay for added security.
Alternatives To Pet Insurance Coverage For microchipping
If you are still unsure of whether your pet insurance can cover the cost of microchipping, here are other alternatives that you can consider as well:
Local Animal Shelters And Clinics
Many shelters and low-cost clinics offer microchipping services at a reduced price. Some even host special events where microchipping is provided for free or at a nominal cost.
Non-Profit Organizations
Several animal welfare organizations offer discounted microchipping services to make it accessible to all pet owners. These initiatives ensure that cost doesn’t become a barrier to responsible pet ownership.
Bundled Veterinary Packages
Some veterinary clinics do offer bundled packages for new pet owners. These bundled packages may include vaccinations, check-ups, and microchipping at a discounted rate.
These are some reliable alternatives that you can consider for your pet security if your pet coverage falls short in that area.
Frequently Asked Questions
Is Microchipping Painful For Pets?
No, the procedure of microchipping is done really quickly and it causes only momentary discomfort, similar to a vaccination. Most pets tolerate it well, and the benefits far outweigh the brief discomfort.
Can Pet Insurance Retroactively Cover Microchipping?
Typically, pet insurance does not retroactively cover procedures performed before the policy start date. However, some policies may reimburse microchipping costs if the procedure is performed after the policy is active and is covered under wellness or preventive care plans.
How Do I Register My Pet’s Microchip?
After your pet is successfully microchipped, you’ll need to register the chip number with a pet recovery database, by providing your contact information. Keeping this information up-to-date is crucial for the microchip’s effectiveness.
