Well, the clear answer to the question Does Pet Insurance Cover X-Ray Costs? is yes! But there is more to it and you need to understand a few things in order to get the most appropriate pet insurance package for your pet.
There are pet insurance plans out there for every budget and every requirement but not all offer coverage for x-ray costs. This does not make them any less useful or relevant for pet parents. Pet insurance for x-ray costs is more significant for some pet parents than it is for others.
Usually, it is the wellness plans that covers x-ray costs, along with dental cleaning, deworming, fecal testing, vaccinations, spaying / neutering costs, etc. Under the wellness plans, you are covered for a fixed number of visits to the vet for such routine care, could be two or may be three.
You can also choose plans that cover x-ray costs based on the tiered approach that pet insurance companies take. Full coverage insurance will cover your pet for emergencies, illnesses, and routine coverage. But it costs more.
Pet insurance packages that cover accidents will also reimburse you the cost of x-rays taken to assess injuries.
Overall, it makes sense to go for a plan that covers x-rays because this procedure like an MRI scan is not exactly cheap and you’d rather not have it as an out-of-pocket expenditure. In a pet injury scenario, you may have to be prepared for pre-treatment x-ray and most likely more than one post-treatment x-ray to ascertain that wound healing has occurred properly.
Even among pet insurance plans that cover x-ray costs, one will experience variations. For example, certain plans will cover the cost of x-rays anywhere in the country; some will reimburse a percentage only if the procedure is carried out at veterinary clinics that are on an insurance company’s panel. And with yet some others, you can actually avail insurance on x-rays carried out anywhere in the world.
The question “Does pet insurance cover x-ray costs?” should be considered more seriously by those pet parents with aged pets or those with congenital illnesses that manifest early and require periodic medical check-ups. As pets age, it makes more sense to take them for periodic check-ups so that pre-emptive action can be taken to prevent medical conditions from exacerbating.
So, for example if you own a basset hound or a daschund then you may want to consider the question regarding pet insurance and x-ray costs because these long-backed breeds are susceptible to back problems that may require frequent x-rays from time to time. Pet parents of large dog breeds, which are prone to musculo-skeletal conditions such as hip dysplasia, should go for pet plans that cover x-ray costs.
When comparing pet insurance carriers that cover x-rays, do compare them on the monthly premium, what is being offered for the premium paid, and the percentage of reimbursement. These are the fundamental metrics to see if a given carrier works out nicely for you. Before you sign on, you have to read the fine print as well.