At Hoesli Insurance Agency, we insure homes, autos, and businesses… so why not your dog’s questionable decisions or your cat’s “9 lives” stunts? Vet bills can sneak up faster than a puppy with muddy paws on your couch. That’s where pet insurance comes in.
Two Tails of Coverage
1. Accident & Illness Policy
This is the “Oh no, Fluffy ate a sock again” plan. It covers:
- Broken bones, swallowed toys, and surprise illnesses (yes—even kennel cough).
- Big scary things like cancer treatments.
- Alternative medicine (think pet acupuncture, not kitty yoga).
- Behavior therapy (for that dog who thinks your couch is the chew toy).
- Euthanasia, anesthesia, cremation, or burial expenses.
- Accidental death.
2. Accident, Illness & Wellness Policy
This is the “We’ve got you covered for the routine stuff, too” plan. It includes everything above plus:
- Teeth cleaning ($100—because dog breath is real).
- Annual checkups ($80—ear scratches from the vet not included).
- Heartworm tests, deworming, and vaccines (because no one wants worms at dinner).
- Flea & tick prevention (your pet shouldn’t be the neighborhood Uber for bugs).
- Prescribed vitamins (not the bacon-flavored treats, sorry).
What You Should Know
- 14-day waiting period (because instant gratification isn’t always possible).
- Age limits: Dogs over 13 and cats over 15 can’t start new policies, but existing ones can renew.
- Not covered: Pre-existing conditions, cosmetic procedures, spaying/neutering, and pregnancy (sorry, no puppy maternity ward).
Why It’s Worth It
Because your pet is family—and families are expensive. Pet insurance helps you say “yes” to care without having to say “goodbye” to your savings.