Forget Everything You Know About “In-Network” Providers
With your (human) health insurance, you have to hope you get sick or injured close to home because that is where your primary care physician is. Many health insurance providers are limited to regions or states, so you can only find doctors and specialists in your local area. Heaven forbid you get injured in another state!
All of this hassle is because insurance providers for humans have pre-existing agreements with specific (in-network) doctors and specialists, which explain the costs for different services. This makes it easy for your insurance to say, “Sure, we can cover X, Y, and Z” because they know how much X, Y, and Z will cost, respectively.
They don’t have those agreements with out-of-network providers, so they often won’t cover the costs because they don’t know how much it will cost.
Thankfully, pet insurance works differently. There are no in-network providers for pet insurance.
So your pet can be injured or ill any time, anywhere, and you can sleep soundly knowing the costs for covered treatment will be reimbursed.