Interested in choosing a pet health coverage plan, but feeling the effects of information-overload? Employ these tips as convenient checkpoints along your journey.
1. Learn about the prevailing characteristics of your pet’s breed. In doing so, you will become educated on their most common health issues – an important awareness to possess as you seek out pet insurance.
2. Familiarize yourself with the terms and concepts associated with the pet insurance industry. Understanding key words like deductible, premium, pre-existing condition and payout limit will allow you to navigate companies’ plans comfortably and confidently.
3. Compare and contrast the policies of pet insurance competitors. Patterns will begin to emerge, helping you clearly highlight the differences so you can pick the best plan for you and your pet.
4. Test the waters by filling out a free quote(s) for your pet. It is the simplest, most effective way to view the policy benefits available for a given monthly premium.
5. Thoroughly understand what you are buying before you enroll. Know the benefits, limits and exclusions of your plan – and see if there is any ‘fine print’ – so you aren’t blindsided down the line when you file a claim.
6. Pay attention to the waiting periods that may apply. Most pet insurance companies have waiting periods in place before their coverage kicks in. Learning this beforehand makes it much easier to plan for with your pet.
7. Be confident in your pet insurance provider’s reimbursement rate. They vary widely from company to company, so be sure you have picked a solution that is fair and reasonable over the long term.
8. Once you’re enrolled, actively communicate with the staff. Share your concerns, ask questions, and stay up-to-date on the company and policy evolutions that occur. A dependable provider will encourage you to develop a relationship with them.
9. Get to know your local veterinarian and discuss your coverage. More and more vets are promoting the value of a sensible pet insurance plan. As you begin to file claims, it will be a boon for both you and your vet to understand the process.
10. Act responsibly as a pet owner. A modest diet, regular exercise, and lots of affection will go a long way in keeping your pet healthy and happy. Unexpected accidents and illnesses can still occur, but proactive care will help.