Shopping for Pet Insurance
Honestly, shopping for pet insurance is much like shopping for insurance for yourself or any other family member. There are some key points that you will want to ask about. I have listed some of the common questions that you should be asking below.
1. Ask your vet what if any policies they accept, just like your private physician, some plans are not accepted. This will save you time and money.
2. What does the plan cover? Routine care should cover everything from vaccinations to checkups, heartworm tests, dental care, and deworming. This is a must and will be the most used part of the plan for you.
3. Does the plan insure for major catastophes, accidents, injury or major onset of a disease. Find out if the insurance policy will cover bone scans, lab fees, medications, reconstructive surgery, X-rays, and CAT scans. If your dog gets seriously injured and is suspected of having a major condition as a result from the injury, he may need the above mentioned procedures and tests. You will find out real quickly in this situation the costs can be phenominal.
4. Just like us, our pets can have a pre-existing condition, just like our insurance plans, pet insurance can choose to cover or not to cover the pre-existing condition. Also find out the details on genetic conditions that may come along later in life with your pet.
5. Ask what your out of pocket expense will be, deductibles will be broke down, just like it is for our insurance.
6. Check out the company history, see what thier customers have to say about them. A good reputation for taking care of customers will go along way. A company that has been around for a long time will have more experience with coverage and billing.
7. The smartest thing to do is to shop around. Treat this insurance as if you were shopping for insurance for yourself. Ask the right questions, look at your breed or animal history, being educated is a step in the right direction.
I have listed some more articles in my “Articles on pet insurance” section. Please read them also, the more information that you have the better.
