Pet insurance can be a literal lifesaver if something happens to your animal. This makes choosing an insurer one of the most important pet-related decisions that you’ll ever face, so you’ll want to have all of the facts when you do. Here are just a few tips for finding pet insurance that will protect your furry friends when life throws a curve ball their way.
How to Find the Pet Insurance That Is Right for Your Furry Family Member
Figure Out Your Finances
It’s the elephant in the room when it comes to pet healthcare, so you might as well get it out of the way. Look at things like deductibles, premiums, co-pays and reimbursement policies. Ask your shortlist candidates about any discounts being offered for new customers or new plans. Do side-by-side comparisons between different insurance brands. It’s better to crunch these numbers while Mr. Peaches is still healthy and you can afford to be picky.
Note the Exclusions
Some pet insurance policies won’t cover preexisting conditions. Others might have restrictions or limitations based on things like size, body weight and whether the health issue is hereditary to the breed. You don’t want any unpleasant surprises when you go to file a claim, so do your homework about these things. Don’t be afraid to call a pet insurance company and directly ask them about exclusions and denials.
Choose Your Coverage Type
If you’re only worried about injuries and illnesses, you can probably get away with a limited plan and low monthly premiums. On the other hand, if you want your insurance to cover things like shots, check-ups and heartworm prevention, you might need to splurge for more comprehensive coverage. Keep in mind that there’s no right or wrong answer when it comes to the pet insurance policy that’s right for you.
Read Reviews and Ratings
Look for reviews of pet insurers on the web. Don’t rely on the testimonials that companies put on their own websites, however, because those can be faked or taken out of context. Look for third-party reviews from unbiased sources. Find any feature articles that have been written about them in magazines or newspapers. You might also seek out top 10 lists, such as those from Top 10 Jungle, that compare and contrast different aspects of pet insurers.
These are just a few things to keep in mind as you look for pet insurance. At the end of the day, the most important thing is that you feel confident in the choice that you’re making. Fido can’t decide on his own, so you have to step up and do it for him.