August 29, 2025 • 14 mins
What Is Pet Insurance And What Does It Cover?
Ever found yourself facing a staggering vet bill and wondering if there's a better way? That's exactly what we explore in this candid conversation about pet insurance – the increasingly popular option for protecting your furry family members without emptying your savings account.
Timothy Walters brings his insurance expertise to bear on this emotional topic, acknowledging how our relationship with pets has fundamentally evolved. "I've noticed like people kind of look at pets as members of the actual human family," he observes, explaining how this shift has created a need for financial solutions when pets face health challenges. With veterinary costs rising dramatically (just like human healthcare), many pet owners find themselves making heart-wrenching decisions based on finances rather than what's best for their beloved companions.
The episode dives into practical considerations that every pet owner should understand before purchasing coverage. We explore how age and breed affect premiums, what questions to ask when comparing policies, and why both pet owners and veterinarians benefit from proper insurance coverage. As Walters points out, "I think animals are more likely to get veterinary care for people who have that insurance policy in place." Beyond the financial protection, there's the invaluable peace of mind knowing you won't face impossible choices if your pet needs expensive treatment.
Whether you're considering pet insurance for the first time or wondering if your current policy provides adequate protection, this episode offers straightforward advice without the insurance jargon. Listen now and discover how to make informed decisions about protecting those special four-legged members of your family. Ready to explore your options? Call or text us for a free consultation about finding the right coverage for your pets and your budget.
To learn more about The Walters Agency visit:
https://www.brightway.com/agencies/tn/knoxville/0237/team
The Walters Agency
7009 Asheville Hwy
Knoxville, TN 37924
423-417-2070
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:04):
Welcome to the Walters Agency podcast, where
insurance meets peace of mind.
Hosted by licensed insuranceagent and owner, timothy Walters
, we're here to help families,homeowners and small business
owners throughout East Tennesseeprotect what matters most Our
mission creating win-win-winsolutions for insurance.
Let's dive in.
Speaker 2 (00:33):
Pet insurance is gaining popularity, but what
does it actually cover and is itworth it?
Timothy Walters explains theins and outs of protecting your
furry family members, fromroutine care to emergency vet
bills.
Welcome back everybody.
Skip Monty here, co-host, slashproducer, back in the studio
with Tim Walters, licensedinsurance agent and owner of the
Walters Agency.
(00:54):
Tim, how's it going?
Speaker 3 (00:57):
Going well, skip, ready to talk about these
furious furry friends of ours?
Speaker 2 (01:01):
Absolutely, absolutely.
Well, you know, I've got I usedto have four dogs and two cats
and I'm down to one cat and onedog but I don't have pet
insurance.
I've got my son has a veryexpensive dog and he has pet
insurance and it kind of savedhis bacon one time.
So I've been thinking about it.
So I wanted to ask you what isthe deal with with pet insurance
(01:24):
, and is it real protection forour furry friends?
Or tell us what you think.
Speaker 3 (01:29):
Yeah, yeah, no, skip, yeah, no.
I think pet insurance is kindof a.
I like it.
I like the fact that we havethis thing available for people
because, you know, I grew upwith pets cats, I grew up with
cats, cats, I grew up with cats.
I love cats.
Dogs are fine, but they requiretoo much love and attention, I
(01:50):
think, and I have a stonierheart, right, so I jive well
with cats, you know.
But when I grew up, if your petgot sick, if your pet got
injured, some people would takeit to the vet, but a lot of
times you know that was it, youjust put them down.
It's sad but that's the way itis.
(02:10):
But more and more I've noticedlike people kind of look at pets
as members of the actual humanfamily.
Right, I hear the term petparent, right, you know.
Or fur baby, you know.
I mean again, I don't think alot of people really actually
look at, you know, these animalsexactly as human.
But there's there's a greatdeal of emotional attachment,
(02:32):
there's a great deal of love and, like I said, I have a little
cat named peaches little orangetorpedo got a lot of nicknames
for and I love her and I wouldfight a grizzly bear, you know.
But if it was a fire, it was achoice between saving her or one
of my family members.
I'm sorry, peaches, I'm goingto have to save my family first,
(02:53):
but some people might not feelit, some people might go for the
cat.
You know, in those situations,veterinary services, just like
human, you know human medicalservices, just like everything,
everything has gotten moreexpensive.
Vets go to school for a verylong time to to to get the
(03:15):
education they need to do whatthey do.
It's expensive.
The cost to set up a veterinaryclinic is not, is not cheap.
Paying, you know, the staff youneed to run a vet clinic is not
cheap.
Paying the staff you need torun a vet clinic is not cheap.
And so, yes, vets have tocharge what seems like a lot of
money, even for, like, maybebasic services, like stuff that
(03:37):
used to be, you know, in the 80sand 90s.
Maybe you take your cat or dogin for shots.
You know it costs.
You know whatever it costs, wenever got our cats.
It cost back then, but I'm sureit was less expensive than it
is today.
But again, just like withinsurance, just like with
(03:57):
everything, you know the costhas gone up and that might be
prohibitive for a lot of people,like even if you love your dog,
even if you love your cat, evenif you love whatever animal it
is that you've got and it's sickor it's been injured and you
know that you can't afford toget it fixed at the veterinarian
, then unfortunately, again thatleaves the other option, which
(04:23):
a lot of people don't want to do, understandably.
So having that reassurance ofknowing hey look, I've got this
pet insurance policy.
I know it covers X, y and Z upto amount A, amount B, amount C
Just knowing that and knowingkind of what your actual
out-of-pocket costs for a vetvisit or emergency visit or
(04:45):
something like that, I think forthe person, for the pet owner,
would maybe make them morewilling to take their animal to
the vet because they're notgoing to face the full, you know
the full cost of thatout-of-pocket expense.
You know by taking them to thevet.
So I think animals are morelikely to get veterinary care
for people who have that, thatinsurance policy in place.
(05:09):
And also, I think, of the vets Ihaven't talked to a huge number
of them, but I've talked to afew vets about this and the ones
that I've spoken to.
They kind of like the fact thatwhen people have pet insurance,
because then they're prettymuch assured that they're going
to get some kind of compensationfor their services, because
sometimes people will bringanimals, animals in you may be
in an emergency situation orsomething like that.
(05:30):
The vet does their thing,because typically people become
veterinarians because they loveanimals and then that person
can't pay, you know, maybeanother full price, maybe none
of it.
So I think veterinarians a lotof times get stuck, you know,
not getting full compensationfor their services.
So I think that's one of thereasons, like a lot of
veterinarians do, like it whenpeople have pet insurance,
(05:52):
because then there's kind ofthat guaranteed pay for them,
which is fair, I think.
So, yeah, I like pet insurance,I think it's a good thing.
Speaker 2 (06:01):
And this might be getting a little deeper than we
need to, but are therebreed-specific considerations or
exclusions that pet ownersshould be aware of?
Like my big old, 12 years old,if I decided to take out an
insurance policy, they may say,oh no, too old, you know.
I mean, is there considerationslike that?
Speaker 3 (06:16):
Oh yeah, a hundred percent.
I mean, it's a thing of petinsurance is very similar to,
you know, human health insurance.
Okay, the older the pet is, themore expensive it's going to be
.
There may be, there may beexclusions for animals at a
certain age.
I've actually never seen that,but most of the pet quotes that
(06:41):
I've run have been for, you know, animals that were not terribly
old.
You know, I guess I should sayyou know, and again, that's you
know the way animals age is alittle different from humans, of
course, but so I've never seenlike an animal rejected due to
age.
But I'm not saying that's notpossible, it could be possible.
There's probably some kind oflimitation on.
I doubt a pet insurance companyis going to insure a
20-year-old dog or a 20-year-oldcat because they're likely
(07:02):
going to be having a lot ofmedical issues, all that kind of
stuff.
But maybe there is.
I mean, if you have a20-year-old cat or dog, give me
a call, I'll run a call for you.
Well, what about?
Speaker 2 (07:13):
like I know certain breeds, like you know, I don't
know if a pit bull would be morelikely to get into a fight with
another dog and get bitten or Inever.
Jurgis Hefford's have hipdysplasia.
Is that something?
Speaker 3 (07:26):
Yeah, I mean I'm sure there's some kind of, because
they do ask every company that Iuse for pet insurance.
They do ask questions about thebreed, especially for dogs,
because I think there's more dogbreeds, but the German Shepherd
thing, the hip dysplasia is athing, but I never, I've never
seen like any, any breeds, justflat out excluded.
(07:49):
I'm sure there are differentratings for different breeds of
dogs, just because again you'relooking at different, different
average life spans, different.
Probably, I'm sure, becauseagain insurance companies they
crunch numbers, that's that'swhat they do.
They look at the data for likewhat kind of dog?
Like this, this breed of dog ismore likely to have hip
dysplasia.
This breed of dog tends to live15 or 20 years, whereas this
(08:12):
breed of dog tends to, you know,get older at 10.
Right, and they're going to havemore medical issues the older
they get.
I'm sure all that's you knowright into the calculations and
my best advice is just not worryabout it.
Just be honest.
When you're getting thesequotes done, say, yeah, I've got
(08:33):
a pit bull, I've got a GermanShepherd, I've got he's this old
, it's never been sick.
Or maybe, yeah, he got hit by acar last year and we had to
take it to the vet.
It costs $5,000 to save theanimal and get it put back
together.
If we don't want to do thatagain, just be honest.
And again, the guys running yourinsurance quotes, they're not
out to get you, they're not outto stick it to you, they're just
.
They're just getting theinformation they need to run
honest numbers and see if theproduct would be a good fit for
(08:56):
you.
If you, if you're willing to,again, it's going to cost you
nothing's for free.
But you know you love youranimal, you want to try to have
some insurance for the animal totake care of potential issues.
Running the quote is free.
I don't know any agent thatcharges just to run quotes.
So you know you really do losenothing but time.
(09:19):
And then if the price works foryou, then hey, great, get the
policy if it's a little moreexpensive than you can afford.
Well, I mean, just pretendyou're in the 80s and 90s.
Speaker 2 (09:28):
Take the alternative.
Speaker 3 (09:30):
Yeah, but yeah again, it is very similar to health
insurance as far as theinformation they're going to
consider.
It's going to be age it's goingto be.
Is there chronic illnessalready?
Have there been previousincidents of illness or injury?
That kind of stuff, injury, youknow that kind of stuff.
But if you have a pet that'srelatively young, that's in good
(09:54):
condition, you know, typicallythe insurance quotes work,
especially for basic policies.
They're not onerously expensive.
Now, some of them you know,some of the higher end ones, of
course can be a little bit moreexpensive because they cover
more risks.
Speaker 2 (10:01):
Which makes sense.
So what should pet owners anyadvice before we go?
What should we look for whencomparing providers or reading
the fine print?
Any other advice?
Speaker 3 (10:13):
I would just.
I would just, when you're, whenyou're talking to them, to the
agent, you know whoever you'regetting the quotes from or from
the company.
If you're getting a quotedirectly from a company, just
review the what what isgenerally covered like.
Make sure that you're not undera misapprehension of what is
covered, because there's alwaysgoing to be limitations for any
(10:34):
insurance policy.
There's going to be things thatare not covered.
So if you're really concernedabout some specific
possibilities, just ask thequestions.
And if your agent is not surelike if somebody asked me a
question I'm not sure about, Iwas like well, you know what I'm
not really sure about that, letme call the insurance company,
the carrier, underwriters, andask about that.
(10:55):
You know that's what you do.
If you don't know something,you ask somebody who hopefully
does know.
But again, don't be afraid toask questions.
And if you're concerned aboutsomething very specific, ask the
question.
But the language, you know it'sinsurance language, right?
You know insurance language iskind of like lawyer language.
(11:16):
You know a lot of people havetrouble with it, but when you
get down to it it is prettystraightforward with that
insurance.
You know it says you know thisis covered, this is covered.
This is covered, this isn'tcovered.
You know, and this is, you know, is the co-insurance?
Typically it's like a co-pay,so they'll cover 80% of the cost
for certain types of events.
It is fairly straightforward.
(11:37):
I mean, a reasonablyintelligent guy like me can
probably muddle his way throughit after spending a good chunk
of his life in the business.
But, yeah, asking questionsthere.
Yeah, no asking questions.
There's nothing wrong withasking questions.
I encourage it because the moreyou understand about your
policy, the more you understand.
Hey, maybe I should go aheadand deploy it.
(11:59):
My dog got hit by a car.
I know like 80% of that cost isgoing to be covered if I take
him to the vet, so I canactually take him to the vet
covered.
If I take him to the vet, so Ican actually take him to the vet
instead of, you know, nottaking him to the vet.
You know, I mean it's, or youknow, my dog got like my
neighbor's dog, had for yearsissues with cancers on her skin
(12:25):
and she's my buddy.
I love that dog.
She died not long ago.
It was very sad.
Speaker 2 (12:28):
But she's my buddy.
I love that dog.
Speaker 3 (12:30):
She died not long ago .
I was very sad.
I don't know they were takingcare of her.
She was going in very regularlyto get these things removed.
It cost a lot of money.
If you get an insurance policyon a dog when she's young or
he's young and then somethinglike that happens, as long as
the policy you've selectedcovers that kind of issue, then
(12:51):
again you're not going to becovering the full cost of that
out of pocket.
Again you're more likely totake the animal in for treatment
.
Fortunately my neighborsweren't strapped for cash.
They were able to pay for thedog's treatment, but it was
expensive.
I talked to them about it.
It was a lot.
Speaker 2 (13:10):
Surgery is very expensive actually with animals.
Speaker 3 (13:15):
Yeah, it is Because it's specialized, it's very
special.
Speaker 2 (13:18):
And very important Our pets are important to us and
very good advice and, if Iheard right, be sure you do your
research again and askquestions of somebody who is
knowledgeable and like TimWalters.
Speaker 3 (13:32):
Yeah, absolutely.
And you know, like I said, if Idon't know, I'll find out.
You know, and that's this iswhat that's what most agents I
know do is like if somebody asksus a question and we don't
actually know, or they, hey,hold on a second, let me make
some calls and we'll get back toyou, you know, and that's, I
think that's reasonable too.
Speaker 2 (13:50):
Absolutely Very well, very helpful for us Pet lovers.
Tim, thanks for walking usthrough the details and we'll
catch you next time on theWalters agency podcast.
Speaker 3 (14:02):
Awesome, All right man have a good one, you too.
Speaker 2 (14:04):
All right man have a good one.
Speaker 3 (14:07):
You too.
Speaker 1 (14:11):
That's a wrap on this episode of the Walters Agency
Podcast.
Ready to find the rightcoverage for your home, business
or family?
Call or text 423-417-2070 for afree 20-minute consultation.
Until next time, stay covered,stay protected and keep winning
(14:31):
with the Walters Agency.
Welcome to the Walters Agency podcast, where
insurance meets peace of mind.
Hosted by licensed insuranceagent and owner, timothy Walters
, we're here to help families,homeowners and small business
owners throughout East Tennesseeprotect what matters most Our
mission creating win-win-winsolutions for insurance.
Let's dive in.
Speaker 2 (00:33):
Pet insurance is gaining popularity, but what
does it actually cover and is itworth it?
Timothy Walters explains theins and outs of protecting your
furry family members, fromroutine care to emergency vet
bills.
Welcome back everybody.
Skip Monty here, co-host, slashproducer, back in the studio
with Tim Walters, licensedinsurance agent and owner of the
Walters Agency.
(00:54):
Tim, how's it going?
Speaker 3 (00:57):
Going well, skip, ready to talk about these
furious furry friends of ours?
Speaker 2 (01:01):
Absolutely, absolutely.
Well, you know, I've got I usedto have four dogs and two cats
and I'm down to one cat and onedog but I don't have pet
insurance.
I've got my son has a veryexpensive dog and he has pet
insurance and it kind of savedhis bacon one time.
So I've been thinking about it.
So I wanted to ask you what isthe deal with with pet insurance
(01:24):
, and is it real protection forour furry friends?
Or tell us what you think.
Speaker 3 (01:29):
Yeah, yeah, no, skip, yeah, no.
I think pet insurance is kindof a.
I like it.
I like the fact that we havethis thing available for people
because, you know, I grew upwith pets cats, I grew up with
cats, cats, I grew up with cats.
I love cats.
Dogs are fine, but they requiretoo much love and attention, I
(01:50):
think, and I have a stonierheart, right, so I jive well
with cats, you know.
But when I grew up, if your petgot sick, if your pet got
injured, some people would takeit to the vet, but a lot of
times you know that was it, youjust put them down.
It's sad but that's the way itis.
(02:10):
But more and more I've noticedlike people kind of look at pets
as members of the actual humanfamily.
Right, I hear the term petparent, right, you know.
Or fur baby, you know.
I mean again, I don't think alot of people really actually
look at, you know, these animalsexactly as human.
But there's there's a greatdeal of emotional attachment,
(02:32):
there's a great deal of love and, like I said, I have a little
cat named peaches little orangetorpedo got a lot of nicknames
for and I love her and I wouldfight a grizzly bear, you know.
But if it was a fire, it was achoice between saving her or one
of my family members.
I'm sorry, peaches, I'm goingto have to save my family first,
(02:53):
but some people might not feelit, some people might go for the
cat.
You know, in those situations,veterinary services, just like
human, you know human medicalservices, just like everything,
everything has gotten moreexpensive.
Vets go to school for a verylong time to to to get the
(03:15):
education they need to do whatthey do.
It's expensive.
The cost to set up a veterinaryclinic is not, is not cheap.
Paying, you know, the staff youneed to run a vet clinic is not
cheap.
Paying the staff you need torun a vet clinic is not cheap.
And so, yes, vets have tocharge what seems like a lot of
money, even for, like, maybebasic services, like stuff that
(03:37):
used to be, you know, in the 80sand 90s.
Maybe you take your cat or dogin for shots.
You know it costs.
You know whatever it costs, wenever got our cats.
It cost back then, but I'm sureit was less expensive than it
is today.
But again, just like withinsurance, just like with
(03:57):
everything, you know the costhas gone up and that might be
prohibitive for a lot of people,like even if you love your dog,
even if you love your cat, evenif you love whatever animal it
is that you've got and it's sickor it's been injured and you
know that you can't afford toget it fixed at the veterinarian
, then unfortunately, again thatleaves the other option, which
(04:23):
a lot of people don't want to do, understandably.
So having that reassurance ofknowing hey look, I've got this
pet insurance policy.
I know it covers X, y and Z upto amount A, amount B, amount C
Just knowing that and knowingkind of what your actual
out-of-pocket costs for a vetvisit or emergency visit or
(04:45):
something like that, I think forthe person, for the pet owner,
would maybe make them morewilling to take their animal to
the vet because they're notgoing to face the full, you know
the full cost of thatout-of-pocket expense.
You know by taking them to thevet.
So I think animals are morelikely to get veterinary care
for people who have that, thatinsurance policy in place.
(05:09):
And also, I think, of the vets Ihaven't talked to a huge number
of them, but I've talked to afew vets about this and the ones
that I've spoken to.
They kind of like the fact thatwhen people have pet insurance,
because then they're prettymuch assured that they're going
to get some kind of compensationfor their services, because
sometimes people will bringanimals, animals in you may be
in an emergency situation orsomething like that.
(05:30):
The vet does their thing,because typically people become
veterinarians because they loveanimals and then that person
can't pay, you know, maybeanother full price, maybe none
of it.
So I think veterinarians a lotof times get stuck, you know,
not getting full compensationfor their services.
So I think that's one of thereasons, like a lot of
veterinarians do, like it whenpeople have pet insurance,
(05:52):
because then there's kind ofthat guaranteed pay for them,
which is fair, I think.
So, yeah, I like pet insurance,I think it's a good thing.
Speaker 2 (06:01):
And this might be getting a little deeper than we
need to, but are therebreed-specific considerations or
exclusions that pet ownersshould be aware of?
Like my big old, 12 years old,if I decided to take out an
insurance policy, they may say,oh no, too old, you know.
I mean, is there considerationslike that?
Speaker 3 (06:16):
Oh yeah, a hundred percent.
I mean, it's a thing of petinsurance is very similar to,
you know, human health insurance.
Okay, the older the pet is, themore expensive it's going to be
.
There may be, there may beexclusions for animals at a
certain age.
I've actually never seen that,but most of the pet quotes that
(06:41):
I've run have been for, you know, animals that were not terribly
old.
You know, I guess I should sayyou know, and again, that's you
know the way animals age is alittle different from humans, of
course, but so I've never seenlike an animal rejected due to
age.
But I'm not saying that's notpossible, it could be possible.
There's probably some kind oflimitation on.
I doubt a pet insurance companyis going to insure a
20-year-old dog or a 20-year-oldcat because they're likely
(07:02):
going to be having a lot ofmedical issues, all that kind of
stuff.
But maybe there is.
I mean, if you have a20-year-old cat or dog, give me
a call, I'll run a call for you.
Well, what about?
Speaker 2 (07:13):
like I know certain breeds, like you know, I don't
know if a pit bull would be morelikely to get into a fight with
another dog and get bitten or Inever.
Jurgis Hefford's have hipdysplasia.
Is that something?
Speaker 3 (07:26):
Yeah, I mean I'm sure there's some kind of, because
they do ask every company that Iuse for pet insurance.
They do ask questions about thebreed, especially for dogs,
because I think there's more dogbreeds, but the German Shepherd
thing, the hip dysplasia is athing, but I never, I've never
seen like any, any breeds, justflat out excluded.
(07:49):
I'm sure there are differentratings for different breeds of
dogs, just because again you'relooking at different, different
average life spans, different.
Probably, I'm sure, becauseagain insurance companies they
crunch numbers, that's that'swhat they do.
They look at the data for likewhat kind of dog?
Like this, this breed of dog ismore likely to have hip
dysplasia.
This breed of dog tends to live15 or 20 years, whereas this
(08:12):
breed of dog tends to, you know,get older at 10.
Right, and they're going to havemore medical issues the older
they get.
I'm sure all that's you knowright into the calculations and
my best advice is just not worryabout it.
Just be honest.
When you're getting thesequotes done, say, yeah, I've got
(08:33):
a pit bull, I've got a GermanShepherd, I've got he's this old
, it's never been sick.
Or maybe, yeah, he got hit by acar last year and we had to
take it to the vet.
It costs $5,000 to save theanimal and get it put back
together.
If we don't want to do thatagain, just be honest.
And again, the guys running yourinsurance quotes, they're not
out to get you, they're not outto stick it to you, they're just
.
They're just getting theinformation they need to run
honest numbers and see if theproduct would be a good fit for
(08:56):
you.
If you, if you're willing to,again, it's going to cost you
nothing's for free.
But you know you love youranimal, you want to try to have
some insurance for the animal totake care of potential issues.
Running the quote is free.
I don't know any agent thatcharges just to run quotes.
So you know you really do losenothing but time.
(09:19):
And then if the price works foryou, then hey, great, get the
policy if it's a little moreexpensive than you can afford.
Well, I mean, just pretendyou're in the 80s and 90s.
Speaker 2 (09:28):
Take the alternative.
Speaker 3 (09:30):
Yeah, but yeah again, it is very similar to health
insurance as far as theinformation they're going to
consider.
It's going to be age it's goingto be.
Is there chronic illnessalready?
Have there been previousincidents of illness or injury?
That kind of stuff, injury, youknow that kind of stuff.
But if you have a pet that'srelatively young, that's in good
(09:54):
condition, you know, typicallythe insurance quotes work,
especially for basic policies.
They're not onerously expensive.
Now, some of them you know,some of the higher end ones, of
course can be a little bit moreexpensive because they cover
more risks.
Speaker 2 (10:01):
Which makes sense.
So what should pet owners anyadvice before we go?
What should we look for whencomparing providers or reading
the fine print?
Any other advice?
Speaker 3 (10:13):
I would just.
I would just, when you're, whenyou're talking to them, to the
agent, you know whoever you'regetting the quotes from or from
the company.
If you're getting a quotedirectly from a company, just
review the what what isgenerally covered like.
Make sure that you're not undera misapprehension of what is
covered, because there's alwaysgoing to be limitations for any
(10:34):
insurance policy.
There's going to be things thatare not covered.
So if you're really concernedabout some specific
possibilities, just ask thequestions.
And if your agent is not surelike if somebody asked me a
question I'm not sure about, Iwas like well, you know what I'm
not really sure about that, letme call the insurance company,
the carrier, underwriters, andask about that.
(10:55):
You know that's what you do.
If you don't know something,you ask somebody who hopefully
does know.
But again, don't be afraid toask questions.
And if you're concerned aboutsomething very specific, ask the
question.
But the language, you know it'sinsurance language, right?
You know insurance language iskind of like lawyer language.
(11:16):
You know a lot of people havetrouble with it, but when you
get down to it it is prettystraightforward with that
insurance.
You know it says you know thisis covered, this is covered.
This is covered, this isn'tcovered.
You know, and this is, you know, is the co-insurance?
Typically it's like a co-pay,so they'll cover 80% of the cost
for certain types of events.
It is fairly straightforward.
(11:37):
I mean, a reasonablyintelligent guy like me can
probably muddle his way throughit after spending a good chunk
of his life in the business.
But, yeah, asking questionsthere.
Yeah, no asking questions.
There's nothing wrong withasking questions.
I encourage it because the moreyou understand about your
policy, the more you understand.
Hey, maybe I should go aheadand deploy it.
(11:59):
My dog got hit by a car.
I know like 80% of that cost isgoing to be covered if I take
him to the vet, so I canactually take him to the vet
covered.
If I take him to the vet, so Ican actually take him to the vet
instead of, you know, nottaking him to the vet.
You know, I mean it's, or youknow, my dog got like my
neighbor's dog, had for yearsissues with cancers on her skin
(12:25):
and she's my buddy.
I love that dog.
She died not long ago.
It was very sad.
Speaker 2 (12:28):
But she's my buddy.
I love that dog.
Speaker 3 (12:30):
She died not long ago .
I was very sad.
I don't know they were takingcare of her.
She was going in very regularlyto get these things removed.
It cost a lot of money.
If you get an insurance policyon a dog when she's young or
he's young and then somethinglike that happens, as long as
the policy you've selectedcovers that kind of issue, then
(12:51):
again you're not going to becovering the full cost of that
out of pocket.
Again you're more likely totake the animal in for treatment
.
Fortunately my neighborsweren't strapped for cash.
They were able to pay for thedog's treatment, but it was
expensive.
I talked to them about it.
It was a lot.
Speaker 2 (13:10):
Surgery is very expensive actually with animals.
Speaker 3 (13:15):
Yeah, it is Because it's specialized, it's very
special.
Speaker 2 (13:18):
And very important Our pets are important to us and
very good advice and, if Iheard right, be sure you do your
research again and askquestions of somebody who is
knowledgeable and like TimWalters.
Speaker 3 (13:32):
Yeah, absolutely.
And you know, like I said, if Idon't know, I'll find out.
You know, and that's this iswhat that's what most agents I
know do is like if somebody asksus a question and we don't
actually know, or they, hey,hold on a second, let me make
some calls and we'll get back toyou, you know, and that's, I
think that's reasonable too.
Speaker 2 (13:50):
Absolutely Very well, very helpful for us Pet lovers.
Tim, thanks for walking usthrough the details and we'll
catch you next time on theWalters agency podcast.
Speaker 3 (14:02):
Awesome, All right man have a good one, you too.
Speaker 2 (14:04):
All right man have a good one.
Speaker 3 (14:07):
You too.
Speaker 1 (14:11):
That's a wrap on this episode of the Walters Agency
Podcast.
Ready to find the rightcoverage for your home, business
or family?
Call or text 423-417-2070 for afree 20-minute consultation.
Until next time, stay covered,stay protected and keep winning
(14:31):
with the Walters Agency.
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