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Costs associated with your pet’s health can quickly spiral into thousands of dollars – are you financially prepared for your pet’s future healthcare costs? With pet health insurance, you’ll be able to provide your pet the best medical care possible.
Top Things to Know
- Insurance Companies are all different — Coverage and premiums differ. Figure out what’s right for you.
- Don’t just look at the price — Cheaper policies tend to provide less coverage.
- Use any vet you want — All pet insurance companies will allow claims from any licensed veterinarian.
- Pre-existing conditions are usually not covered — However, there are different definitions of “pre-existing”. Example, some plans cover ear infections if the pet goes a certain length of time without treatment before the next infection.
- Get insurance while your pet is young — This will reduce pre-existing condition exemptions and monthly cost.
- Pet Insurance is worth it — It pays to have insurance for large, unexpected medical care costs like injury or illness. Paying for coverage for wellness/routine care does not always save money, but it is nice to be able to spread out the payments over the year.
- Accident – Most common type. Offers accident coverage, no matter the age of your pet.
- Illness – This type is often limited and becomes more expensive as your pet ages.
- Wellness – For routine care. Does not always save money, but it’s nice to spread the payments over the year.
- Check out exclusions – What’s not covered?
- What is the basis for premiums? Age, breed, location, spay/neuter status?
- Review any age limits for coverage – Is there an age minimum? Does coverage stop at a certain age?
- Is there a multi-pet discount?
- What are you buying? Some policies cover only accidents, accidents & illness, comprehensive coverage
- What are the deductibles? What are the co-pays and caps on coverage? Is it an annual deductible or per incident?
- Check to see if the insurer excludes any genetic or hereditary conditions for your pet or a specific breed.
- Is holistic or alternative medicine covered? Such as acupuncture, cold laser, stem cell therapy, physical therapy?
- What is their customer service record? Are they easy to reach and available when you need them?
- Is there a waiting period after purchasing insurance before coverage starts?
- What are the reimbursement rates and how long does it take to process claims?