Pet Insurance

Pet Insurance

Pets are like family. We know how difficult it can be when a member of the family becomes sick or injured. When you and your pet need us most, we’ll be there with comprehensive plans, robust coverage and a team of caring and passionate pet advocates—many who are pet parents themselves—to help. Call Us!


What is pet insurance?

Pet health insurance is a pet health policy that can be purchased for your dog or cat. Having good pet insurance provides peace of mind that you can afford to get your pet the best care in the event of a costly accident or illness.

While many people try to compare pet medical insurance medical insurance to human health insurance, it’s actually more like car insurance – it’s there to prevent financial upset in the event of something unexpected. Just like your car insurance doesn’t cover routine maintenance or any accidents you got into before purchasing the policy, pet insurance plans typically don’t cover routine care costs and pre-existing conditions.

How Does Pet Insurance Work?

Pet insurance works mostly on a reimbursement basis. This simply means that you pay the vet up front and then file a claim for the reimbursement of eligible expenses. Some companies partner with certain veterinarians, paying them directly so you’re only responsible for paying ineligible costs out of pocket.

When purchasing a pet insurance policy, you choose a deductible, a reimbursement percentage, and an annual limit, which all impact your premium and the maximum amount you can recover. Your deductible must be met before the insurance company will issue reimbursement. The eligible costs are then reimbursed based on the percentage you select, usually 70% to 90% of the cost, and the policy’s annual limit also sets the maximum dollar amount you can claim each year. Some insurance companies offer an unlimited annual limit option.

Although claims filing and reimbursement processes can vary, it generally works like this:

  1. Schedule a vet appointment.
  2. Take your pet to see the veterinarian.
  3. Pay for the veterinarian bills in full.
  4. File a claim online or through the pet insurer’s mobile app and include a copy of the bill.
  5. Once the pet insurance company approves the claim, receive your allowable reimbursement via direct deposit or paper check in the mail.

The review and approval process can take a few days, a couple weeks, or even a month, depending on the company, the policy, and the scope of the accident or illness.


Where Can You Use Pet Insurance?

Most pet insurance plans work on a reimbursement basis, so you can use your coverage with any licensed veterinarian, specialist, or emergency clinic of your choosing. Unlike human health insurance, pet health insurance doesn’t have provider networks. However, some companies may have certain requirements to meet in order for veterinarian bills to be eligible for reimbursement.

What’s Covered by Pet insurance?

Pet insurance is a kind of health insurance policy that pays a portion of a pet’s medical bills. You can purchase a comprehensive policy that covers a wide range of health-related problems. Some plans even cover costs such as microchip ping or end-of-life expenses for a pet.

Here’s what is commonly covered by the best pet insurance plans:

Accidents and injuries

This covers medical expenses for accidents such as:

  • ACL ruptures
  • Bite wounds
  • Broken bones
  • Cuts
  • Swallowed objects
  • Toxic ingestions

Chronic illnesses

This covers medical expenses for chronic illnesses such as:

  • Allergies
  • Arthritis
  • Digestive problems, such as inflammatory bowel disease
  • Seizures
  • Skin conditions

Common illnesses

This covers medical expenses for common illnesses such as:

  • Ear infections
  • Diarrhea
  • Urinary tract infections
  • Vomiting

Serious illnesses

This covers medical expenses for serious illnesses such as:

  • Cancer
  • Diabetes
  • Heart disease

Hereditary conditions

This covers medical expenses for hereditary conditions such as:

  • Blood disorders
  • Eye disorders
  • Hip dysplasia

Holistic and alternative procedures

This covers expenses such as:

  • Acupuncture
  • Chiropractic
  • Laser therapy

Testing and diagnostics

This covers the cost of testing and diagnostic procedures such as:

  • Blood tests
  • CT scans
  • MRIs
  • Ultrasounds
  • X-rays


This covers the cost of medical procedures such as:

  • Chemotherapy
  • Endoscopies
  • Hospitalizations
  • Nursing care
  • Surgeries

Wellness procedures

This covers expenses such as:

  • Flea and heartworm prevention
  • Neutering
  • Routine wellness exams
  • Spaying
  • Vaccinations

Behavioral therapy

This covers costs associated with behavioral therapy for problems such as:

  • Aggression
  • Destructive chewing
  • Excessive barking

What’s Not Covered by Pet Insurance?

Here are some common pet insurance exclusions:

  1. Pre-existing conditions. This is an injury or illness that your pet had before your coverage started. Some plans may not permanently exclude pre-existing conditions. For example, Nationwide pet insurance may extend coverage if you have medical records that show your pet has been cured of a condition for at least six months.
  2. Experimental treatment. This includes diagnosis and treatments that are considered experimental, investigational or not within the standard of care accepted by your state’s veterinary medical board.
  3. Grooming. Pet insurance typically doesn’t cover grooming services such as baths, dips, shampoos or nail trims.
  4. Food, dietary and nutritional supplements. Your pet’s dietary expenses are typically not covered, but some plans cover prescription food and supplements.
  5. Non-veterinary expenses. This includes expenses for waste disposal services, record access or copying, any license or certification and compliance with a government rule or regulation (such as a dog license).

Types of Pet Insurance Plans

The types of problems and medical expenses that are covered by pet insurance depends on what type of plan you buy. Here are the three most common types of pet insurance plans:

Accident & illness coverage

This type of plan is the most common pet insurance plan and covers a wide range of problems, including accidents (such as a torn ACL or swallowing a foreign object) and illnesses (such as allergies, cancer and ear infections).

Accident-only coverage

This type of plan only covers accident-related medical expenses, such as a torn cruciate ligament or lacerations from dog bites. It does not cover illness-related expenses like ear infections and cancer.

Wellness coverage

This is an optional plan offered by pet insurers and covers wellness-related expenses, such as routine wellness exams, flea and tick prevention and vaccinations. You can usually add a wellness plan to an accident and illness policy but not an accident-only policy.


How Does a Pet Insurance Deductible Work?

Pet Insurance policies, like most insurance policies, have a deductible. Deductibles, depending on your choice, will affect your premium. Higher deductibles generally lower your premium while lower deductibles will result in a higher premium.

There are typically two options for deductibles. Annual deductibles, like those used by Embrace, are similar to those on a human medical insurance policy. Once the deductible has been met, no deductible will apply to future claims during the policy term.

Other carriers may offer a per-incident (per-condition) deductible. In this case, the deductible will be applied each time your pet goes to the veterinarian for a new condition. This type of deductible could lead to you receiving less reimbursement for each claim.

It is important to ask how your deductible will apply to the policy you are considering for purchase.

How Much Does Pet Insurance Cost?

  • The average monthly premium for accident and illness coverage for a dog with $5,000 of annual coverage, $250 deductible and 90% reimbursement level is $35 per month, according to pet insurance costs.
  • The average monthly premium for accident and illness coverage for a dog with unlimited annual coverage, $250 deductible and 90% reimbursement level is $56 per month

The cost of pet insurance is going to depend on several factors, typically including:

  • The type, gender and breed of animal. Some breeds are predisposed to certain illnesses, which will result in higher pet insurance rates. For example, large dog breeds are more prone to heart and hip issues and have higher medication costs.
  • The pet’s age. As your pet gets older, it is more likely to need to go to the vet, which will translate into higher pet insurance rates at policy renewal times.
  • Pre-existing conditions. Medical conditions that existed before you bought the pet insurance generally aren’t covered. But some pet insurance plans will cover conditions that were cured and then later return.
  • Your location. Average veterinary costs in your area will affect the plan price.
  • Coverage types. You’ll pay more for a comprehensive plan that covers accidents, illness and routine wellness compared to a plan that covers only accidental injuries.
  • Deductible and reimbursement level. You’ll pay more for having a lower deductible and higher reimbursement level. For example, a plan that offers 90% reimbursement will cost more than the same plan with 70% reimbursement.

Generally, it’s more expensive to insure a dog than a cat.

Do You Need Pet Insurance?

Whether you need pet insurance is up to you. When considering the cost of vet care versus average pet insurance premiums, pet insurance may be worth it for your pet, family, and financial situation.

For example, you could pay $3,000 or more if your pet is hospitalized. If you are paying $30 a month, or $360 per year, for pet insurance, then you may be coming out ahead. In this scenario, you would have to pay your pet insurance premium for just over eight years to make a $3,000 hospitalization claim not worth it.

Additionally, having a breed that is more susceptible to certain health conditions, such as hip dysplasia, can result in more vet or specialist visits and, thus, more expenses that may be reimbursed by a pet insurance plan.

If you already have a vet that you work with and trust, it may be worth taking the time to ask about expected costs for certain procedures for accidents or illnesses. Compare those costs to various quotes and reimbursement percentages from pet insurers to help you decide if you need pet insurance.


What Are The Benefits Of Pet Insurance

The benefits of Pet Insurance:

  1. Enables pet owners to save money when their pet is injured or ill.
  2. Empowers pet owner to not have to choose between their financial stability and their pet’s life.
  3. Enables pet owners to focus on the health of their pet, rather than the costs of their care.
  4. Saves on additional treatment costs, like stays in the veterinary hospital or X-rays.
  5. Increases the treatment options available to the pet, including medically necessary surgeries and chemotherapy.
  6. Ability to treat pets for costly procedures like tick paralysis, cruciate ligament surgery, cataract removal, spinal surgery or FLUTD surgery.
  7. If your pet is lost or stolen, some pet insurance plans offer funds as a reward to the individual who has found it. Pet insurance can also help cover the cost of boarding kennels/catteries if you are hospitalised or help with legal costs if your dog causes any damage or injury to a 3rd party.

When is the best time to get pet insurance?

The best time to get pet insurance is right now! The longer you wait to get pet insurance, the greater the chance that pre-existing conditions may pile up and your pet won’t be able to have coverage for them. You can sign up for most pet insurance plans when your puppy or kitten is as young as 8 weeks old. It’s a great idea to enroll while your pet is young so they can have coverage for accidents and illnesses that may pop up over time.

Even if your pet is older, it still pays to get pet insurance as soon as you can so your pet has coverage if they get sick or hurt in the future. As pets age, they are more prone to certain health conditions, and pet insurance can help you get them the care they need to get better.


Insurance for Veterinary

Cover your dogs and cats with pet insurance. Keep them healthy, happy and safe. Serving people and their pets, request a free quote today.

Life Insurance

Life Insurance

Your most valuable asset is family — however you define it. Protect the ones you love with life insurance solutions that help you continue putting family first. Call Today!

What is life insurance?

Life insurance is a contract between you and an insurance provider who will pay a death benefit upon death and is funded through premium payments. Think of it as a kind of financial safety net that allows you to live your life fully while being financially protected for the unexpected.

The policy is purchased for a set amount of coverage, which is the amount the insurance provider will pay your beneficiary. This payout, called a death benefit, can be used to cover funeral costs or large medical bills, or expenses like housing, food, education, and anything else they might need.


How does life insurance work?

There are a wide variety of life insurance coverages. In general, your life insurance policy remains active as long as the contract terms are met. This usually means a death benefit is payable upon death as long as the premium or funding requirements are met.

Premiums and other policy characteristics can vary by many factors including the amount of coverage you need, as well as your age and health. If death occurs while the coverage is active, your beneficiaries can submit a claim to receive the payout.

What is life insurance used for?

People get life insurance to protect their families and provide financial support to their loved ones in the event of their death. The death benefit can be used for:

  • Mortgage payments
  • End-of-life expenses such as medical bills, burial costs, or estate taxes
  • Childcare to replace the loss of a stay-at-home parent
  • Supporting family members through college
  • Debts such as car loans, boat loans, etc.
  • Keep a family business running
  • Leaving a legacy

Types of life insurance

Whole Life Insurance

You purchase this policy to cover your entire life, as long as you keep paying premiums. Premiums remain constant throughout the policy, and the company invests a portion of your premium that becomes the cash value. These are more expensive than term policies in the early years, but they even out because the premium does not increase.

Variable Life Insurance

A variable life policy generally has fixed premiums, and you have control over the investment decisions for the cash value portion. However, this is riskier because there is not guarantee for the cash value.

Universal Life Insurance

This policy is similar to whole life, but has the potential for higher earnings on the savings component. It is more flexible in terms of changing premiums and face value throughout the policy. There is usually a guaranteed return on the cash value. Disadvantages include higher fees and the possibility of increasing

Term Life Insurance

This is the simplest and generally the cheapest form. You buy coverage for a specific period of time. It can usually be renewed, but premiums will increase based on age and health factors. There is no cash value. All other types of life insurance are permanent, but there are several varieties. They all include a savings element that builds cash value, in addition to the death benefit. Once that cash value accumulates, it is accessible to the policyholder tax-free.

Benefits of Life Insurance

Life insurance is designed to minimize the impact of the financial loss your family may incur upon your demise. The benefits of such plans are fourfold, aptly contained within the acronym “LIFE”:


Liability Free

Life insurance gives your family the power to be independent and self-reliant. A good term plan can help them repay financial liabilities like home loan, auto loan, personal loan, or a loan on credit card. The term plan may also cover hospitalization charges and critical illness treatment, giving you a comprehensive protection package


Immediate Expenses after Demise

It will also help your family cover a part of essential expenses immediately after your demise, such as funeral costs and/or medical bills.


Income Replacement

If you are the sole breadwinner in your family, a life insurance plan becomes can provide a guaranteed income to your family every month, making sure that their everyday life is not disrupted and they remain financially stable.


Education and other expenses for dependents

The payouts from life insurance can help to pay the bills for the education of your children, as well as expenses for their wedding or medical costs if any.

How much does life insurance cost?

The cost of life insurance can vary dramatically based on a wide range of factors. These include:

  1. Your age
  2. Overall health
  3. Family health history
  4. Occupation
  5. Hobbies
  6. Gender
  7. State of residence
  8. Amount of coverage
  9. Type of life insurance purchased
  10. Tobacco status

Generally speaking, term life insurance is the most affordable type of life insurance. This is because, unlike permanent life insurance coverage, term policies are only good for a specific amount of time, usually 10 to 30 years starting from when you buy the policy.

Term life insurance can even be downright “cheap” for the amount of coverage you can buy. For example, a 30-year old man in excellent health living in California could use a company to purchase 20 years of term life insurance worth $500,000 at a cost of less than $25 per month, whereas a woman in excellent health at the same age could buy this coverage for less than $17 per month.

Why is life insurance so important?

Life insurance is a financial safety net your family can rely on in the event of your death.

Paying a regular premium helps ensure that your loved ones won’t have to deal with burdensome funeral expenses or, even worse, lose their home or college fund because they can no longer keep up with payments.

In fact, the earlier you get coverage, the more benefits you’ll have. Not only is it more affordable at a younger age, but you’ll have more options to use it. With certain types of insurance such as Universal Life Insurance (UL), the lifetime premiums also allow you to build cash value over time. These funds can be used later to buy a home, start a business, pay for college or save for an emergency.

There are also plenty of add-ons like term riders that can offer you extra protection for a certain amount of time to meet your changing financial responsibilities.

Purchasing life insurance has another unexpected benefit: Starting with you, it helps lay the groundwork for financial responsibility and stability so that every new generation will know how important it is to protect their families.

Why Buy Life Insurance?

There are several common reasons for buying life insurance, including:

  • To replace your income for any dependents who rely on that income.
  • To pay for funeral expenses and other final expenses.
  • To provide a financial legacy for heirs.
  • To pay estate or inheritance taxes.
  • To provide a donation to a charity.
  • To create a savings vehicle if there is, or may be, a life insurance need.

Who Needs Life Insurance?

Not everyone needs life insurance, but it’s important to figure out whether you do. You may need life insurance if:


Someone depends on your income

Typically, this would include kids or a spouse, but can be any dependents, such as aging parents or siblings. Life insurance coverage helps replace your income so they can cover day-to-day expenses if you’re not around, maintain their quality of life, and pay for any debts.

You have young kids

Coverage is essential if you have kids, even if you don’t work outside the home. Stay-at-home parents may think they don’t need life insurance, but if you weren’t there, your family would likely have to hire help to manage everything you do for free. According to one estimate, the salary for a stay-at-home parent’s typical tasks would add up to over $160,00 a year. By getting covered, you can make sure your family can carry on and even give your partner the flexibility to take some time off work if needed.

You have outstanding debts

If you have a mortgage, credit card balances, school loans, or other debt, life insurance helps ensure your loved ones could take care of it if you weren’t there. This is especially important for any co-signed debt, since your loved ones could be liable for any payments once you’re gone. By covering your mortgage, you can also make sure your family doesn’t have to move if you pass away.
your estate goes entirely toward paying off your creditors. That could leave any loan co-signers on the hook for debts you agreed to pay. Life insurance can help pay off your debts so they won’t affect your heirs.

You want to cover end-of-life expenses

The average funeral costs around $10,000. Add in medical bills and other end-of-life expenses, and that number can creep even higher. Life insurance will help you plan ahead for those expenses, making sure the money is there without burdening your family.


You want to leave a legacy

Want to pass on something to the next generation? Life insurance can help make sure there’s money to leave behind to relatives or even your favorite charity. If you’re looking for an extra cash cushion that’s guaranteed no matter how long you live, permanent insurance is a great way to go.

You’re a business owner or partner

As an entrepreneur, you may be responsible for running a business, possibly with a partner as well. If you plan for the business to keep running after you’re gone, a life insurance policy can help. By naming your business partner as a beneficiary, they can take control of the finances or use the funds to buy out remaining shares.

Who Doesn’t Need Life Insurance?

You may not need life insurance if:

  1. You don’t have children or other dependents counting on you financially
  2. You don’t have a mortgage, school loans, credit cards, or other debts
  3. You and your partner have enough income and assets to care for yourselves independently

Even if you think you don’t need it, make sure to consider all the expenses that could crop up over time, like medical bills for your partner in their later years or end-of-life expenses. A life insurance agent can help walk you through your needs and options.


Life Insurance at Every Age


Single adults

When you’re younger, you’ll usually have more affordable policy options. Term life insurance can be a great choice for long-term coverage, especially if you plan to start a family down the road.


Starting a family

Take care of your family now and as it grows. Having a plan in place can help make up lost income, cover childcare costs, alleviate the stress of unpaid debts, and even support your children’s future. Term life insurance offers affordable protection that’s a great fit for many families.


Leaving a legacy

Permanent life insurance policies don’t just provide financial protection, they may also build cash value over time. This extra financial support can help make retirement easier or become part of your estate plan.


Just married

If your spouse depends on your income, term life insurance or permanent life insurance can help them maintain their quality of life and manage their finances without you. That includes covering a mortgage, paying for day-to-day expenses, and managing unexpected costs.


Planning for retirement

Once the kids are grown and the mortgage is paid off, life insurance can still be an important part of your financial plan. A term, permanent, or final expense policy can help support your surviving partner and cover end-of-life expenses.

How to get life insurance

Get started with these three simple steps.

Choose a policy.

Review your term or permanent options and get a quote. We'll work with you to schedule a medical exam, if needed.

Choose a policy.

Review your term or permanent options and get a quote. We'll work with you to schedule a medical exam, if needed.

Apply for coverage.

Answer a few questions and complete your medical exam. We'll review your application.

Apply for coverage.

Answer a few questions and complete your medical exam. We'll review your application.

Purchase your policy.

Once your policy is approved, protect the ones you love by making your first payment.

Purchase your policy.

Once your policy is approved, protect the ones you love by making your first payment.

What is term life insurance?

Term life insurance lasts a certain “term,” usually ranging from 10-30 years. If you die while your policy is in force, your beneficiary receives a death benefit as a tax-free lump sum.

If you reach the end of your term and do not need the coverage, you and the insurance company simply part ways. If you still need life insurance, you can choose a new term length (this may come at an additional monthly cost) or change your coverage to permanent life insurance. Converting to permanent life insurance could increase your premiums, but this is a good option for individuals who know they will need a lifetime of coverage.

What is permanent life insurance?

Permanent life insurance is the “umbrella” term for whole and universal life insurance; all of these policies offer guaranteed coverage that won’t expire. Permanent life insurance has several benefits beyond offering lifetime coverage, you can also enjoy flexible payments (avoiding a lapse in coverage if you don’t pay on time) and a tax-deferred cash value savings account built into your policy.

With these benefits comes a bit of a higher price tag than a term life policy; however, you will gain benefits that you wouldn’t find in a term life policy.

What is the difference between whole life and universal life insurance?

Universal life insurance is generally more affordable than whole life insurance because it lasts an average human’s lifespan rather than your lifespan.

Both options include the cash value component in which you can make partial withdrawals or even use the funds to cover your premium payments in certain circumstances. Some policies also offer the option to surrender your policy and receive a sum of funds equivalent to the surrender cash value.


Policy pricing

In terms of affordability, term life insurance is generally the most affordable type of life insurance for most individuals. Term life offers premiums that can be as low as $20 a month, and that rate stays fixed throughout the life of the policy.

Permanent, whole and universal life insurance policies can provide a fixed premium in some cases, but the premium price is generally more expensive than a term life policy.

Term vs. permanent life insurance: who each policy is best for

There are pros and cons to each type of life insurance. For those looking for an affordable monthly premium and a customizable coverage amount, a term life insurance policy would be a good fit. For individuals who prefer lifetime coverage with a savings component, whole or universal life would be a good fit.

You’ll also want to consider your dependents and loved ones: term life insurance can provide your young children with a death benefit if you pass away or face a critical illness or disability while they’re financially dependent on you.

If you are looking for long-term coverage and want to build cash savings that could later be used to fund a child’s education or supplement retirement income for you and a spouse or partner, whole life could be a good fit. If you are looking to provide estate liquidity for taxes or leave an inheritance for loved ones, permanent life insurance will likely be a better fit than term life.


Are you still wondering what life insurance plans are best for you?

Find out how we can protect your family and your future. Speak to an agent today to discover how we can help you with your life insurance needs. Call Today!

Home Insurance

Home Insurance

Protecting your house, and what makes it a home

Get the affordable homeowner’s coverage you need and the peace of mind you desire. protect your home and family while saving with home insurance discounts get a homeowner’s insurance quote Call Now!

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What is homeowners insurance?

Homeowners insurance helps cover the costs to repair or replace your home and belongings in the event they are damaged by covered threats like fire, theft and severe weather. Homeowners insurance is an important way to help ensure that you will be able to rebuild your home and replace the items in it should misfortune strike. Homeowners insurance can help protect you against the costs of property damage or destruction, and can also provide help to cover the costs of liability exposures if, for example, someone is injured on your property.


What Does Homeowners Insurance Cover?

A typical homeowners insurance policy (also known as an HO3 policy) generally covers your home and your personal property and helps cover the costs of losses that result from covered incidents like:

  • Fire
  • Windstorms
  • Hail
  • Lightning
  • Vandalism
  • Theft
  • Weight of ice, snow, or sleet
  • Freezing of plumbing, heating, air conditioning, or other household systems

Typically, damage caused by floods and earthquakes is not covered by basic homeowner insurance policies. Optional homeowner insurance coverages and policies may be available to cover damage due to such additional threats. Check with your insurance professional for help determining what coverage may be best for your specific needs.

Types of Home Insurance Coverage

A typical homeowners insurance policy includes several types of coverages, coverage limits and deductibles. Consider how the following coverages can help ensure your home and assets are covered.

Property Damage

Most home insurance companies offer policies to help protect your home and the structures directly attached to it. This protection, called dwelling coverage also helps cover the internal systems within the home, like: Wiring, Plumbing, Heating, Air conditioning limits.

Temporary Living Expenses

Loss of Use Coverage helps pay for your living expenses, up to your policy limits, if your home is unlivable after suffering a loss. If your house has significant fire damage, this type of homeowners insurance covers your stay in a hotel while the repairs are being done.

Medical Payments

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. Insurance also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.


Personal Property

Personal property coverage covers losses of your personal belongings, like furniture, clothing and appliances. You can purchase additional valuable items blanket coverage for your expensive items including jewelry, artwork or collectibles.

Personal Liability

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability protection can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Other Structures

Homeowners insurance protects structures that are not directly attached to your home. For example, if your detached garage is damaged, other structures coverage can help with the repair costs.


Home Insurance Deductibles and Limits

Your home insurance deductible is the amount of a covered claim that is your responsibility to pay before your insurance starts to cover costs. When choosing your insurance deductible, consider how much you’re prepared to pay should you have a covered claim.

Your home insurance coverage limits (the dollar amount of homeowners insurance coverage you buy) starts with your dwelling coverage. The limits of coverage for the other standard coverages in your homeowners policy are typically calculated as percentages of the dollar amount of your dwelling coverage limit.

Additional Homeowners Insurance Coverages

The following coverages can typically be added to a primary homeowners policy and provide a great way for you to work with your insurance representative to customize your policy to your specific needs.

Special Personal Property Coverage

This special coverage for personal property or contents can provide broader protection for your possessions in the event of a covered loss. It can cover your personal property in more situations than a homeowners policy.

Contents Replacement Cost

Personal property replacement cost coverage helps cover personal property losses based on their replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry and watches.

Additional Replacement Cost Protection Coverage

Additional replacement cost coverage helps provide an additional amount of coverage to help repair or rebuild your home if the dwelling coverage on your home is not enough to cover the cost to repair or rebuild after a covered loss.

Water Backup and Sump Pump Discharge or Overflow

Does home insurance cover water damage? If water backs up from a sewer or drain within your home, or if water discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified dollar amount. This does not include coverage for flood or surface water backup.

Jewelry and Valuable Items

Does homeowners insurance cover theft? Travelers Valuable Items Plus coverage can provide higher limits and expanded protection for special classes of property such as jewelry and silverware.

Jewelry and Valuable Items

Does homeowners insurance cover theft? Travelers Valuable Items Plus coverage can provide higher limits and expanded protection for special classes of property such as jewelry and silverware.

Identity Fraude

Travelers identity fraud expense reimbursement coverage can provide up to $25,000 that can help cover expenses to restore your identity if it’s used fraudulently.

Green Home Coverage

Green home coverage from Travelers provides additional protection that can help cover the costs to repair, replace or rebuild with green materials, after a covered loss occurs.


Dependable Protection Is Just One Of The Many Things You Get When You Choose Home Insurance. You’ll
Also Enjoy The Support Of An Agent, Who Can Answer Your Questions And Help You

  1. Know Your Choices So You Can Find What Fits Your Needs And Your Budget.
  2. Protect And Maintain Your Home With Helpful Tools & Resources.
  3. Get Answers About The Claims Process And Navigate Through It.
  4. Save On Your Premium With Home Insurance Discounts.

Call An Agent To Learn More And Get A Homeowners Insurance Quote

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Health Insurance

Health Insurance

No Matter Your Income, You May Qualify for Lower Health Insurance Costs with New Savings. Looking for Health Plans in Usa? Coverage is Available, and Expert Help is Free. Call Today!


What is Health Insurance?

Health insurance is a contract that requires an insurer to pay some or all of a person’s healthcare costs in exchange for a premium. More specifically, health insurance typically pays for medical, surgical, prescription drug, and sometimes dental expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.

How does health insurance work?

Health insurance works to help lower the amount you would otherwise have to pay for high cost medical care. This is typically how a health plan works, but they can vary:

  1. You pay a premium—usually monthly. This is a fee for having the health plan.
  2. Most health plans have a deductible. A deductible is how much you must pay out of your pocket for care until your health plan kicks in to share a percentage of the costs.
  3. Once you meet your deductible and your plan kicks in, you start sharing costs with your plan. For example, your health plan may pay 80% of your medical costs and you may pay 20%. This is called, “coinsurance.” Most insurance ID cards show your deductible and coinsurance.
  4. Preventive care is typically covered 100% This includes things like your annual check-up, a flu shot, vaccinations for kids, certain wellness screenings, and more. (Some plans may require a copay—a small fee you pay at the time of the doctor visit).
  5. You save money when you stay in-network. Network providers agree to give lower rates to the insurance company’s customers. You can usually find a list of network providers on your health insurance website, or by calling and asking them for a list of in-network providers. This is a key part of how health insurance works to help keep your costs low.
  6. Your health insurance may also come with extra no-cost programs and services. This may include health and wellness discounts for services and products, incentive programs where you can earn cash awards and other prizes for completing healthy activities, and more.

Why You Need Health Insurance

Health insurance is necessary for Americans to pay for the high cost of healthcare. You generally need it unless you can afford to pay for healthcare on your own or receive government assistance. The very wealthy can afford the cost of even extraordinary emergency or chronic medical care. Those over age 65 usually qualify for Medicare. Lower-income individuals and families may qualify for Medicaid.

Everyone else must either purchase health insurance or risk medical bankruptcy. Since it is so common, many people have lost sight of its underlying purpose. It’s just like insurance for your car, home, or apartment. It’s supposed to protect your life savings from the devastating costs of a major accident, medical emergency, or chronic disease.

Unlike other insurance, health insurance makes it possible for you to get healthcare when you need it. If you don’t have car insurance, you can take the bus until you can afford to get your car fixed. If you break your leg, you can’t splint it yourself until you save up enough to go to the doctor.


How To Choose Health Insurance

Health insurance companies provide lots of choices, options, but before you select a plan, you’ve got to wade through various combinations of deductibles, copays, coinsurance, and premiums.

  1. Monthly premiums. Like auto or homeowners insurance, you pay this even if you never make a claim. That provides the cash flow so insurance companies can pay their day-to-day expenses.
  2. The deductible. That’s what you pay before the insurance company contributes a dime. It is an annual amount, which means you start over on Jan. 1 of each year if your plan has a calendar-year policy. Plans that renew at other times of the year might not follow the calendar year for resetting the deductible period.
  3. A copay for each visit. A typical copay might be $20 for a doctor visit, $50 for a hospital visit, and $10 to $40 for each prescription. You pay 100% for the visit until the deductible is met.
  4. Coinsurance. That’s a percent you pay for procedures, like surgeries, or hospital stays. If your doctor visits you in the hospital, you might pay a copayment for the visit and coinsurance for the hospitalization.

Why Health Insurance Is Important

No one plans to get sick or hurt, but most people need medical care at some point. Health Insurance covers these costs and offers many other important benefits. Health Insurance provides important financial protection in case you have a serious accident or sickness. People without health coverage are exposed to these costs. This can sometimes lead people without coverage into deep debt or even into bankruptcy.

Health Insurance is a good way to help you manage your health care costs. You pay health care companies premiums – a set amount of money each month – and you get benefits to pay for your eligible health care expenses. This can include regular
doctor checkups or injuries to treatment for long-term illnesses.

You Can Purchase Individual Health Insurance Through The Health Insurance Marketplace On Your Own. Even Though It’s Called Individual Health Insurance, You Can Also Find Plans To Cover Your Family. Because Health Care Can Be Expensive, It’s A Smart Idea To Have Health Insurance So You’re Prepared For When You Or Your Family Have Medical Needs.


Individual Health Insurance

Choosing Individual Health Insurance Is Going To Be A Balancing Act Between Cost And Coverage, As Well As your Philosophy Of Care. Finding The Right Balance Of Coverage And Cost Can Be Tough, But It’s A Necessity. So Take Your Search One Step At A Time. The First Step Is To Evaluate Your Needs And Understand Your Health Insurance Options. Among Your Choices, You’ll Find That The Individual Health Market Offers The Same Plans As The Group Market, Including HMOs, PPOs, Point-Of-Service Plans And Traditional Fee-ForService Arrangements. Your Budget, Physician Preferences And Health Requirements Will All Have A Hand In Deciding Which Type Of Plan Is Best For You


Family Health Insurance

Among Your Choices, You’ll Find That The Individual Health Market Offers The Same Selecting The Right Health Insurance Policy Can Be A Rather Challenging Undertaking. The Choices Usually Seem So Complicated And Bewildering. But Where To start In The Quest For Health Coverage? To Ease The Process And To Help You Choose The Most Appropriate And Adequate Health Insurance Coverage for Families And Individuals.


What does health insurance cover?

Health insurance plans may cover a wide range of medical care and services. These often include preventive and non-preventive care, as well as emergency care, behavioral health, and sometimes vision and hearing.

What you pay out-of-pocket and what your plan helps pay for can depend on a number of factors. These factors include whether you’ve met your deductible, what your coinsurance is, if you are getting care from in-network providers and facilities, if your care is preventive or not, and more.

Here are examples of health insurance benefits your plan may cover:

  1. Preventive visits: Things like an annual check-up (adult or child), are typically covered 100%.
  2. Vaccinations: Some vaccinations are covered 100%, too. For example, many plans pay for an annual flu shot and certain kinds of childhood vaccinations.
  3. Non-preventive doctor visits: For in-network doctors and specialists you get a reduced rate as part of the network. Your plan helps pay its share of the cost once you’ve met your deductible.
  4. Hospitalization: Your plan helps pay its share of the cost once you’ve met your deductible. You will pay less if you go to a hospital that’s in your plan’s network, if required.
  5. Emergency Room: Many health plans do not require you to go to an in-network ER in an emergency, but plans can differ.
  6. Lab work: If you go to an in-network lab, your costs for lab work will be lower. Your health plan negotiates lower rates with them, too.
  7. Additional, or supplemental coverage that’s added to your health plan: Coverage for cancer care, accident coverage, and more can help you pay for care that’s often costly and unexpected.

What does health insurance not cover?

What’s not covered by health insurance can also vary depending on the plan. Here are some types of services that are not typically covered:

  1. Alternative medicine—such as massage, acupuncture, herbal healing, and more.
  2. Cosmetic surgery—things like plastic surgery, laser skin removal, liposuction, rhinoplasty (nose job), etc.
  3. Weight loss surgery—things like gastric bypass and bariatric surgery may not be covered. This depends on the plan you get, though. Some procedures may be covered, if medically necessary, so check your plan documents carefully.
  4. Vein surgery—laser surgery to correct spider veins is often considered cosmetic and may not be covered unless a doctor can show it’s medically necessary.
  5. Elective surgeries—especially surgeries that a doctor cannot prove a medical need for.
  6. Unapproved medical care—if you fail to get a required precertification for care or a service, your health plan may deny you coverage. Precertification is pre-approval from your health insurer. Many health plans require this type of pre-approval for certain types of procedures or treatments.
  7. Experimental treatments or procedures—for example, surgeries that use new technology or methods that may not have proven outcomes.

Your Summary of Benefits Coverage (SBC) document that comes with your health plan will itemize the care and services covered, as well as what’s not covered. When you know how your health plan works, you are better able to avoid paying unnecessary out-of-pocket costs.

What are the benefits of having health insurance?

The benefits of health insurance include:

  1. Lower out-of-pocket costs for care since it’s shared with your health plan.
  2. $0 preventive care—annual check-ups, routine health screenings (mammogram, colonoscopy, cholesterol screening), and certain vaccinations are fully paid for by your health plan. This means getting routine care costs you nothing. If you had to pay for this on your own, you’d pay hundreds of dollars out of your own savings each year, or you’d make decisions not to go to the doctor, with possible impacts to your own and your family’s health.
  3. Coverage for unexpected costly medical care, such as hospitalization and care for a serious illness like cancer, or in the event of an accident or serious injury. That’s not to say there is no cost to you, but once you meet your deductible, your plan helps pay a large share of the cost. If you hit your annual out-of-pocket maximum (the most you need to pay in a year) then your plan starts paying for all of your care.
  4. Peace of mind—having a health plan may give you some comfort in knowing that there is a limit to how much you need to pay out-of-pocket for costly medical care. In addition, since your health plan pays most preventive care, you can also have the peace of mind that you and your family can get all your routine care, with little to no additional cost. (Some plans may require a small copay at the time of a visit).

Get A Health Insurance Plan

Find out now. Find the best Health Insurance Plan for your Family. Free Health Quote. Contact an Agent. Affordable Rates. Family Health Plans. Call Today!

Final Expense Insurance

Final Expense Insurance

Protect your family from the burden of an expensive funeral. Speak with our burial insurance specialists to learn more about your options today. Final expense insurance is a type of permanent life insurance that can help older adults ease the burden of end-of-life expenses on their loved ones.

Monday to Friday – 9:00 am to 7:00 pm
(all times Eastern)


What is final expense insurance?

Final expense insurance is a life insurance policy that has a lower death benefit, usually intended to cover final expenses and burial costs. Also known as burial insurance or funeral insurance, it’s designed for older adults who are ready to make end-of-life plans, typically age 50 and older.

It may be purchased as a secondary policy to supplement benefits from other life insurance or as a form of guaranteed issue coverage that doesn’t require a medical exam.

The premiums for final expense insurance policies are typically higher than many other policies with a lower payout. If you are considered high-risk for insurance carriers, however, final expense insurance may be easier to qualify for than other types of policies. It’s also a good option once you pass a certain age or develop health problems.

How does final expense insurance work?

Final expense insurance can prevent your family and loved ones from having to pay out-of-pocket for expenses ranging from burial costs to medical bills to credit card debt. A final expense insurance policy, also known as burial or funeral insurance, has a higher premium and lower death benefit than a conventional policy.

Interested in exploring final expense insurance options? Here’s how it works:

  1. Think about how much final expense insurance you need. At Fidelity Life, you can typically purchase coverage amounts from $5,000 to $35,000, so choose one that will cover your funeral, medical bills, remaining debts, and other costs.
  2. Decide which type of final expense is right for you. An agent can walk you through the options that work best for your situation, including simplified issue and guaranteed issue plans.
  3. Apply for coverage. Depending on the type of policy you choose, you may need to answer a few health questions. But approvals are usually quick and your policy can often be activated right away.
  4. Choose a beneficiary. An important part of purchasing a policy is deciding who will receive your death benefit. This can be a partner, child, close friend, or even a funeral home.
  5. Pay your premiums. Make monthly or annual payments to keep your policy active. If it lapses, it won’t pay out later when your family needs it. Final expense plans also offer fixed premiums, which can be helpful for budgeting if you’re on a set income.
  6. Protect your family. When you die, loved ones receive a tax-free cash payout. While it’s called final expense, they can use this money for whatever they need, with no strings attached.

The Benefits of Final Expense Insurance

Grief is enough of a burden. The benefits of final expense insurance all center around the fact that it provides easy peace of mind for you while you’re here, and for your loved ones when you’re gone.

Here’s a more detailed breakdown of the final expense insurance benefits vs standard life insurance:

Lower premiums

For as little as $20 a month, the final expense insurance policy offers coverage for up to $35,000.

Flexible payments

Pay monthly or annually—whatever’s best for your cash flow.

No medical exam

Unlike life insurance, you don’t need to pass a medical exam to buy final expense insurance.

Fast approvals

Not only does coverage begin as soon as you’re approved, but the application for the final expense insurance program is easy, quick and coverage is often issued in a matter of days—sometimes even on the same day you apply.

What Is Covered By Final Expense Burial Insurance?

Burial insurance can help your beneficiaries pay for the costs for your funeral and burial or cremation services. Here’s a list of expenses that beneficiaries can pay for with a life insurance payout:

  • Burial plot
  • Burian vault
  • Caskets
  • Cremation
  • Flowers
  • Funeral home services
  • Grave opening and closing
  • Headstones
  • Obituary notices
  • Transportation
  • Urn services

Burial insurance can also be used to pay outstanding debts you leave behind after you pass away, such as:

  • Credit card debt
  • Legal services
  • Medical bills
  • Mortgage, car loan or other outstanding debt

Why Choose Final Expense Insurance Coverage?

Your desire to do your best for your loved ones never fades. This is why so many people between the ages of 50 and 70 switch from life insurance to final expense life insurance plan: it reduces the stress put on your grieving family and friends.

Final expense life insurance coverage is a thoughtful and affordable way to make sure your loved ones aren’t left with medical bills, funeral expenses, and outstanding bills that they have to pay out-of-pocket.

You can easily apply for final expense insurance plans and have it in place for when it’s needed: there is no extensive application process and you can be on your way to comprehensive coverage for anywhere from $5000 to $35,000 that will give you priceless peace of mind.

How Final Expense Life Insurance Works?

By helping individuals pay ahead of time for end-of-life expenses, final expense life insurance coverage allows older adults to free their loved ones from the burden of these costs, if not the burden of grief.

Featuring significantly lower coverage rates, final expense life insurance is also affordable for retired individuals on fixed budgets.

Here’s how final expense insurance works:

  1. Step 1: Apply. Estimate your outstanding bills and final expenses (funeral plans, medical bills, etc) and tally them up. This will help you get an idea of your ideal coverage amount. Again, it’s just your best guess: you don’t have to be exact.

    Next, compare final expense insurance quotes online from different insurance providers and pick the best one for you. The application process is quick and easy, and in some cases, you may not have to answer any questions at all. In as little as a day, you could be insured.

  2. Step 2. Purchase. Once approved, start making your regular premium payments. Your policy will stay active as long as your payments stay up-to-date and will build cash value. You’re guaranteed that your payments won’t go up, which is helpful when you’re on a budget.
  3. Step 3: Protect. In the event of your death, either your family or a funeral home with which you’ve made arrangements will receive a lump sum payout equal to the amount of coverage for which you applied. Your family can use this money to cover your final expenses and if there is any leftover, they can save or splurge—whichever they’d like.

Types of Burial Insurance

For adults interested in burial insurance quotes, there are two types of final expense products available:

  • Simplified issue life insurance: This product is designed for individuals with moderate to no health issues that may or may not be eligible for traditional life insurance. Usually, applicants will answer a few health questions to gauge whether they have a critical illness; if not, jumpstarting the policy is straightforward and doesn’t require a medical exam. The typical coverage amount is up to $40,000; remember the higher the policy dollar value, the more your monthly premiums will be.
  • Guaranteed issue life insurance: The second insurance option for seniors is guaranteed issue, which is for individuals with critical illnesses who cannot get standard life insurance. As the name suggests, coverage is guaranteed no matter your state of health, meaning no medical exam. The death benefit amount generally is capped at $25,000.

If you’ve never purchased life insurance before, either of these options are likely exactly what you might need to cover your final expenses.

Alternatives to Burial Insurance

For individuals looking into all their life insurance options, there are a few alternatives to consider:

  • Traditional life insurance: For individual policyholders that qualify for the term, universal or whole life insurance, traditional life insurance does more than just pay for funeral expenses; the death benefit can go towards tuition or mortgage payments. This product is ideal for individuals with dependents (a spouse or family) or those who want “total life” insurance.
  • Pre-need funeral trust: Americans can pay into an interest-earning trust to help them cover their funeral-related costs.
  • Pre-need funeral insurance: Akin to a pre-need funeral trust, individuals can pay for their funeral expenses through their preferred funeral home.
  • Self-funded: The final strategy is for an individual to allocate funds for their funeral on their own, without utilizing an insurance product.

Making sure final expense life insurance for seniors is the right fit is critical, given the higher premiums.


Who Needs Final Expense Insurance?

Due to the high cost of burial insurance premiums, it is not suitable for every American. For instance, couples with a young family would do better with traditional life insurance, as the death benefit is designed to cover wage/income loss and to help pay for things like the mortgage should one partner pass away unexpectedly.

For individuals shopping around for a final expense insurance quote, this product is best for:

  • Those who don’t qualify for traditional insurance
  • Seniors over 70
  • Individuals with critical illnesses
  • Americans wanting small coverage amounts

Life insurance isn’t a fit for everyone, but most people would want the option to spare their loved ones the cost of their final expenses, and final expense life insurance for seniors does exactly that. If you’re looking to instead leave your loved ones a sizable lump sum, then death benefit life insurance would be a better fit (depending on your age).

The Best Final Expense Insurance for Seniors

After a certain age, we no longer have dependents but this doesn’t mean we don’t want to take care of our loved ones. Instead of paying more sizable rates for life insurance, final expense insurance is a wonderful way to ensure your loved ones aren’t left to pay hefty end-of-life costs at a fraction of the cost—as little as $20 a month.

Final expense life insurance is a perfect insurance option for people on a fixed income.

The average cost of a funeral is $9,000. Grief is already enough to shoulder: don’t make your loved ones carry the expense of a funeral too. Protect your loved ones, even after you’re gone.

Final expense life insurance can help from the funeral expenses to medical bills to unpaid bills, this coverage provides compassionate, smart insurance for seniors. Your approval is not based on your answers to medical questions, so you can rest assured you’re getting the coverage you need at a price you can afford.


How Much Does Final Expense Insurance Cost?

There is a significant price difference between final expense life insurance and traditional life insurance products, like whole life or term life insurance. Any insurance product that does not require a medical exam is guaranteed and costs more; it’s no different with burial insurance.

To put it into perspective, a 50-year-old healthy male can expect to spend $46/month for a burial insurance death benefit of $10,000, while $41/month (with a medical exam) will get him $100,000 term life insurance.

Is Final Expense Insurance Worth It?

We can’t tell you which life insurance policy is best for your specific situation, but we can suggest that final expense life insurance for seniors is an excellent option for older adults and individuals who don’t qualify for standard coverage.

But even if you are eligible for traditional life insurance, it never hurts to get burial insurance quotes when shopping around for the best life insurance coverage for you!


Getting a Final Expense Insurance Quote: What You Need to Know?

You can quickly and easily get final expense insurance quotes online, but keep in mind no two insurance companies are the same. Rates are constantly changing, and each company will set its own rates based on actuarial data and underwriting criteria. So, one company’s best rate won’t be the same for another. This is why getting a final expense insurance quote is so important. A quote will allow you to see all your options that suit your needs.

Ask yourself:

  • Which provider will give your family the financial protection they need?
  • Which provider will pay your claim the fastest?
  • Will your provider help your family with funeral arrangements?

All these questions are important and will guide you in finding the best coverage for your—and your loved ones—needs.

What Is Preneed Funeral Insurance

Pre-need funeral insurance sets aside money for your funeral before you die. This type of insurance is suitable because it protects your loved ones from covering funeral expenses when you are dead.

The preneed insurance covers the cost of your funeral. The permanent life insurance will pay for things like the cost of a standard funeral home service, funeral arrangements, memorial service, and church and burial services. You can also lock into today’s prices for those things so that you do not have to worry about it if they go up in price.

Burial insurance vs. pre-need insurance

Burial insurance and pre-need funeral insurance are two different products. The biggest difference is that burial insurance makes a payout to your beneficiaries, while pre-need insurance typically pays a funeral home where you have arranged funeral details.

If flexibility is a concern, burial insurance is a better purchase. Here’s a look at the major differences between the two.

Burial insurance

  1. Purchased from a life insurance company
  2. Your beneficiary receives the payout and can spend it how they choose
  3. If you move, your beneficiary has the flexibility to pay for a funeral in a different state

Preneed funeral insurance

  1. Often purchased from a funeral home where a funeral director is also a licensed life insurance agent
  2. Funeral options are chosen and paid to a funeral home when you die; difficult to make changes if locked into a contract

  3. Your plan may not be “portable,” meaning you won’t be able to take it to a different funeral home

Pros & Cons of final expense Insurance


  • Typically does not require a health exam.
  • Application typically asks few (if any) health-related questions.
  • You can’t be turned down for certain policy types, such as “guaranteed issue life insurance.”


  • With no health exam, you won’t get a discounted rate if you are in good health.
  • With little to no health information, the cost of the policy can be very high.
  • Your policy will likely have a “graded death benefit,” which generally pays out only a refund of the premiums if you die within two to three years after buying the policy.

Ready to get final expense insurance today?

Let’s Get Started
Call one of our agents and get your Final Expense Insurance quote.

Monday to Friday – 9:00 am to 7:00 pm
(all times Eastern)

States Accepted – Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, West Virginia, Wisconsin.

Dental Insurance

Dental Insurance

Looking to buy dental insurance? Shop affordable individual & group dental insurance plans from America’s largest and most trusted dental insurance carrier.

Find affordable coverage options for healthy teeth + gums

Your smile says as much about the state of your health as it does about your state of mind. That’s why dental insurance goes hand in hand with medical insurance. Together, they can help you maintain good overall health by making medical and dental care more affordable.

Whether you need benefits for you, you + your partner, or you + your entire family, dental insurance comes in a range of options that meet your oral health needs at a price that suits your budget. You can enroll year-round, and you can cancel anytime if you only need short-term coverage.

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What is dental insurance coverage?

Like your health insurance plan, a dental insurance plan provides benefits that help pay for dental costs.

And, just as you can shop for an individual health insurance plan if you don’t have job-based benefits, you can find individual dental insurance if you don’t have coverage through an employer.

Dental policies typically include benefits for the following types of care:

  1. Preventive (e.g., routine checkups, cleanings, X-rays, sealants)
  2. Basic (e.g., fillings, root canals, periodontal treatment)
  3. Major (e.g., crowns, bridges, inlays, dentures)

Dental policies usually cover preventive care at 100%—dental insurance is designed with an emphasis on preventive care. Beyond that, you will share with the insurer a percentage of the cost for basic and major procedures. The percentage you pay will vary, but it’s common for basic care to be covered at a higher percentage than major care.

Doesn’t my health plan cover dental care?

Probably not. Though it isn’t unheard of, major medical insurance plans (which are sometimes called ACA or Obamacare plans) don’t often include dental coverage for adults. Less than 3% of Americans with private dental coverage received dental benefits as part of their medical plan in 2016, according to the National Association of Dental Plans.

That means you’ll likely need a separate, stand alone dental plan. If you’re not entirely sure what, if any, dental benefits your ACA plan includes, then contact your ACA plan insurer for details.

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Kids dental coverage under the ACA

Under the Affordable Care Act (ACA), dental insurance is an essential health benefit for children 18 or younger. You’re not required to buy dental insurance for your kids. However, if you enroll a child in a major medical plan, dental insurance must be included or offered as a standalone plan in the exchange.

How to find affordable dental insurance plans

With the vast number of individual dental plans available, you’ll likely to find one you consider affordable. You may be able to find a monthly premium under $20 or upwards of $100. What you pay depends on the coverage you select and where you live.

You can quickly and easily find out what plans are available within your budget by getting an online quote.

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Where to get dental insurance outside of open enrollment

If you buy dental insurance in the private market, away from the state and federal ACA exchanges, you can get it anytime of year—no need to wait for open enrollment or to qualify for a special enrollment period.

However, the rules are different for dental coverage sold through state and federal health insurance exchanges. You can’t buy dental insurance through these ACA marketplaces unless you enroll in health insurance at the same time, which means you are limited to the annual ACA open enrollment period or a special enrollment period if you have a qualifying life event.

Will ACA subsidies pay for dental coverage?

Dental insurance plans aren’t eligible for ACA subsidies, even if you enroll in coverage through a government exchange.

Compare your dental insurance options

The best dental plan for you might be different than the best dental plan for someone else. Sure, an affordable premium will make it possible for you to get coverage, but it shouldn’t be your sole consideration when choosing a plan.

Select a few plans within your budget and take a moment to compare them. As you give your options a closer look, pay special attention to the following factors:


Is preventive care fully covered? At what percentage will the plan cover basic and major care? How about other services and procedures? Dental plans won’t typically cover braces; however, you may be able to add orthodontia and other types of coverage for an additional cost and a waiting period (this is called a rider).


What is the amount you have to pay out of pocket before certain benefits take effect?


Will you need to pay a flat fee at the time of service?

Out-of-pocket maximum

What is the highest dollar amount the plan will pay toward your covered expenses each year? Is it possible your expenses could exceed this cap?

Waiting periods

Are certain services subject to a waiting period before your benefits go into effect? (This doesn’t usually apply to preventive care.)


Can you visit any dentist that accepts your insurance, or will you be limited to a provider network?


Is there anything the policy doesn’t cover? Are there limitations on pre-existing conditions?

Ultimately, the plan you pick will strike a balance between what you consider to be an affordable monthly premium and affordable out-of-pocket costs, your typical dental care needs in a given year, and your personal preferences.

Know the difference between dental insurance + discount plans

Dental products come in different forms. It’s important to keep this in mind as you shop, so you wind up with the coverage you expect.

Within the category of individual dental insurance, you will most commonly see dental PPO plans. They account for 82% of all dental policies.

A dental PPO allows you to choose any dentist that accepts the plan, without network restrictions. However, a PPO plan may contract with a network and offer discounted care when you use participating providers.

If you want to continue seeing your current dentist, then a dental PPO is probably the right choice for you—just make sure your dentist accepts the plan you’re considering. Dental PPOs typically cost more than Dental HMOs that will restrict which providers you can see.

Be aware that there are also dental discount programs—these are notinsurance. These programs grant you access to discounts for certain services from participating dentists. You present a card at your appointment, but no claim is processed. The dentist applies the discount and bills you.

With dental insurance, you will pay any copay due at the time of service. Then, your provider submits a claim to your dental insurer for the care you receive. They pay your provider according to your policy, and then the provider bills you for your share.

When you are shopping for dental insurance, make sure that you understand this distinction so that you enroll in correct product and receive the type of benefits you’re expecting.

You want to feel good about your decision. That’s why you should ask questions if you feel stuck or are uncertain about dental plan details. Call to speak with a licensed dental insurance agent who can help.

Can you buy short-term dental insurance?

It is possible to enroll in a temporary dental plan when you have short-term coverage needs—you’re in between jobs or in an employer waiting period before job-based benefits take effect.

When your dental insurance needs are temporary, it is possible to enroll in a dental plan for the short term. You can typically cancel your coverage at anytime, but you’ll want to be aware of any cancellation policies (e.g., 30 days notice) so be sure to check the plan’s cancellation policy before you buy. Read plan details or ask your dental insurance provider.

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Is dental insurance worth it?

Not entirely convinced you need dental benefits? Your dental insurance plan will not only help cover the cost of unexpected dental procedures, it may also encourage you to maintain routine dental visits.

The American Dental Association recommends regular visits to the dentist for prevention and treatment of oral disease, and studies show that people with private dental insurance are more likely to visit the dentist than those without it.

If you value healthy teeth and gums and want to reduce what you pay out of pocket for dental care, you may find it worthwhile to enroll in a dental insurance plan.

Start exploring your affordable dental insurance options today. Call to speak with a licensed dental insurance agent.

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Nothing brightens someone’s day like a beautiful smile. Keep yours sparkling with affordable dental coverage. Call Now!

Auto Insurance

Auto Insurance

Auto insurance covers damage to your vehicle and protects you financially if you’re liable for someone else’s injuries or damages. Call Today!

What is car insurance?

Car insurance covers damage to your vehicle and protects you financially if you’re liable for someone else’s injuries or damages. Auto insurance can also pay for medical bills if you or your passengers are injured in an accident or you’re hit by an uninsured or under insured driver. Your policy protects you up to certain limits, agreed upon by you and your insurer.

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Do I Need Car Insurance?

You don’t need auto insurance to hold a driver’s license in most states, but the car, truck, RV, or motorcycle you’re driving must be insured. The insurance covers the vehicle and, usually, whoever is authorized to drive the vehicle.

Driving without required car insurance can have severe legal and financial consequences, such as license loss, jail, accident damages, or car impoundment. Your car insurance costs will be higher as a result.

More than six million police-reported car crashes are reported annually in the U.S., including personal injury and property damage. Safe driving can help avoid accidents, but you’re never in full control of on-the-road circumstances. Accidents are sometimes unavoidable, as are damages or injuries.

How Does Car Insurance Work?

First, you’ll get an estimate (or quote) for the insurance price (the premium), with several different options based on the maximum protection amounts (coverage). Coverage is based on your state requirements. For example, in some states, the insurance company is required to offer you uninsured motorist coverage.

You select the protection (coverage) you want and pay the premium of your insurance contract (policy) in monthly, semi-annual, or annual payments.

If you have an accident or want to make a compensation claim, you exchange insurance information with the other driver and contact the police to come to the scene or ask them how to file a report.

With the right coverage, the insurance company takes care of negotiating and paying costs. In some cases, you’ll be responsible for a small amount, known as the deductible—the amount you’ve agreed in advance to pay if you make a claim.

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What Does Car Insurance Cover?

Although car insurance is spoken about like a singular product, a typical car insurance policy is actually made up of several different types of car insurance that are wrapped up together into one policy that you know as your auto insurance policy.

The six standard types of auto insurance are:

  1. Liability auto insurance (BI/PD): covers the cost of damage and injury to third-parties, as well as your legal fees, should someone leverage an auto-related lawsuit against you
  2. Collision insurance: covers the cost of damage and injury to yourself and your passengers should you be involved in a collision with another car or object
  3. Comprehensive car insurance: covers damage to your own car that results from theft, vandalism, natural disasters, civil disturbances, and other non-collision events
  4. Medical payments insurance (MedPay): covers the cost of you and your passengers’ accident-related medical expenses
  5. Personal injury protection (PIP): covers the cost of you and your passengers’ accident-related medical costs and also reimburses you for lost wages due to an accident-related injury
  6. Uninsured/underinsured motorist insurance (UM/UIM): covers you if you get into an accident with a driver who doesn’t have insurance and consequently can’t pay for damages to your vehicle or treatment for any injuries you might sustain

Additional Coverage Options

In addition to the six standard coverage options mentioned above, many car insurance companies also offer additional optional coverage, such as

  1. Gap insurance: covers the difference between the actual value of your car and how much you still owe on it if you significantly damage or total a financed or leased car before your financing term is over
  2. Rental reimbursement: covers the cost of a rental car if your car becomes undrivable for an extended period of time
  3. Rideshare insurance: covers motorists driving for ridesharing companies like Lyft, Uber, etc
  4. Mechanical breakdown insurance: covers the costs of car repairs due to mechanical breakdowns, similar to an extended car warranty
  5. Roadside assistance: covers the costs of emergency road services when your car malfunctions, such as towing, battery services, or flat tire replacement.
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What does car insurance not cover?

Car insurance covers most types of damage that are sudden and accidental, but damage that occurs slowly over time is not covered, nor is standard required maintenance. This includes:

  1. Maintenance problems, like faulty wipers or a malfunction steering system
  2. Regular wear and tear like worn-out tires
  3. Mechanical failure or engine failure
  4. Electrical breakdown

However, you may be able to get coverage for regular repairs through mechanical breakdown insurance (MBI) if it’s offered by your insurance company. Though it can be expensive, MBI pays for damage to the mechanical parts of your car, like new brakes, engine parts, or a blown transmission.

How Do I Get Car Insurance?

For the most part, you can take out a new car insurance policy by finding a provider, navigating to its website, requesting a quote, and then purchasing a policy if you like the quote you received. You can also call your chosen provider or schedule an in-person meeting with one of its insurance agents.

When you request a quote, you should be ready to supply the following information:

  1. Personal information such as your name, age, and address
  2. Details about your driving record such as past tickets
  3. Vehicle year, make, and model
  4. Vehicle identification number (VIN)

After you’ve compared some quotes and settled on an insurer, you can usually pay online immediately to begin your coverage. Of course, you can also talk with an agent or representative on the phone or in-person to take out coverage. The agent will walk you through all your different options to help you construct a policy that fits your needs. Once you’ve settled on a policy, they’ll tell you how to purchase it.

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How Much Does Car Insurance Cost?

According to our most recent data, the national average cost of auto insurance for 2022 is $1,553, though your rate can be higher or lower. To determine your rate, car insurers factor in things like your age, location, driving record, vehicle type, and your credit score.

  • Your car
  • Where you live
  • Your driving history
  • Your age
  1. Your Car

    Your car will affect your car insurance premium based largely on two factors: how safe it is and how expensive it is.

    The safer your car is, the lower its premium will be, as safer cars are less likely to get into accidents. If an auto accident does occur, the driver and passengers are less likely to be injured. Either way, that means a lower chance for an expensive insurance claim.

    The more expensive your car, the more an insurer may need to pay to have it repaired. A totaled Ford Fiesta is cheaper to fix than a wrecked Lamborghini. Expensive cars may also have higher theft rates, which is an added risk for the insurer.

  2. Where You Live

    Each state sets its own minimum insurance requirements, so the average cost of minimum insurance varies. Driving conditions vary by state and even by city. Living in a densely-populated city means a higher likelihood of an accident or theft.

  3. Your Driving History

    If you have a driving record free of accidents and traffic violations, expect a lower premium. However, if your history includes several crashes and speeding tickets, you’re insurance rates will run high. Even a single-car accident can significantly raise your premium.

  4. Your Age

    Drivers under 25 typically get higher premiums. After 25, rates begin to lower, reaching its lowest point when for drivers in their 50s and 60s. After that, rates gradually begin to rise again.

    The reason for such high rates for young drivers is two-fold: For one, statistics from the Center for Disease Control and Prevention show that drivers between the ages of 16 and 19 are more likely to get into a car accident than any other age group. Secondly, young drivers have a shorter driving history, which means insurance providers have less to go on when determining how safe of a driver they are.

    Rates begin to increase for senior who are more likely to suffer from Alzheimer’s, dementia, vision problems, and a number of other health issues that can make driving more dangerous.

How to Save Money on Your Auto Insurance

Car insurance can be expensive, but there are many ways to save money on your auto insurance.

  1. Change your deductible and/or policy limits: Raising your deductible will lower your premiums. Also, if you lower the limits your policy will cover, it will lower your premiums.
  2. Ask for discounts: Many people know they could receive a discount for bundling their car insurance with their homeowners insurance, but there often are many more discounts available. Ask about discounts for automatic payments, taking a defensive driving course, or being claim free in recent years.
  3. Shop around: Auto insurance companies price car insurance differently, so get quotes from at least three different companies.
  4. Improve your credit history: Car insurers often provide better rates to drivers with good credit.
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