Policies vary widely. Generally the higher limits are associated with higher premiums or with benefit schedules or other allowances and restrictive conditions such as age and whether the condition was pre-existing or hereditary. Policies are available with or without deductibles. Often a deductible will be added to the percentage co-payment. Benefit schedule .
Some policies pay up to a certain amount for a given health problem.
Those with such restrictions will provide a benefit schedule, and payouts usually are a percentage of the benefit schedule allowance. A benefit schedule tends to make it possible for insurance companies and their underwriters to provide greater coverage for lower premiums because it eliminates the problem of veterinarians overcharging. Prices charged by veterinarians can vary as much for a given procedure as prices charged by medical doctors. Check with your veterinarian to see if the benefit schedule is acceptable. You may find it necessary to check with several veterinarians before you find one who will agree to the benefit schedule.