How to Find a Pet Insurance Plan
Just like human insurance, pets should be covered too! However, many people don’t know how to find proper pet insurance. There are a few tips that you can do in order to pick the plan that’s best for you and your pet.
1- Compare Providers
Just as you would with normal insurance, it is important to compare providers. You want to see which offers the better premium, deductible, plan, co-pay, reimbursement, etc. You should search online for popular pet insurance providers and start comparing from there. You can typically receive free quotes for better comparisons!
2- See How Dependable the Provider is
Now that you have found a plan that works for you and your pet, you want to make sure they will actually deliver. You can check out pet insurance companies on the Better Business Bureau website so see how long they have been operating, are they trusted, view testimonials, and more. You may also be able to view information about how their policies are developed on their website which can help you see if they have your pet’s best interest in mind.
3- Get the Plan that Works for You and Your Pet
You want to make sure your pet insurance provider doesn’t have any exclusions that may affect your pet like pre-existing conditions, and other restrictions. Make sure that your pet’s breed doesn’t affect coverage either. For example, if you are trying to get breathing coverage for pugs you may run into some issues because their breed typically has respiratory issues. If you want to verify you can always contact customer service. Not only do you want to make sure the plan you pick works for your pet, but also works for you. You should verify that your pet’s plan is within your budget. You don’t want to hurt other aspects of your finances like your electricity bill if you cannot afford your pet’s care plan. You should review the cost and value of the plan. You don’t want to get a plan with no coverage just because it is more affordable. You also don’t want to get an expensive plan that still doesn’t have the coverage you need. Take into consideration deductibles (which is what you have to pay out of pocket) as well as reimbursements. These will help you determine if this pet insurance plan can fit in your budget. You can also ask about discounts! Some insurance providers offer discounts for people who have multiple pets.
4- Enroll Sooner Rather Than Later
Since you will find that a lot of insurance providers may not offer adequate coverage for pets that are old or have pre-existing conditions, the younger and healthier the pet then the better. You avoid the risks of lack of coverage by making sure your pet is in the best place to begin getting covered.
While finding a pet insurance may seem difficult, it actually isn’t so bad! Take the time to research your plan, understand it, and you will find a coverage that works for both you and your loved pet!