Looking for cheap pet insurance can be a daunting task if you don’t know what to look for. There are a number of choices and finding the best pet insurance policy is easy if you know the right questions. Without pet health insurance, you are not protected if something unforeseen happens to your precious pet.
Key questions to help you find the best pet insurance policy for your pet
Why do I need pet insurance if my pet is healthy?
Insurance is one of those things you need but hope you never have to use. Your pet may be fine today, but there’s no way to know what might happen in the future. Purchasing pet insurance after your pet becomes ill or develops a condition limits the coverage you can receive. Many other unexpected things can happen that you wouldn’t expect and being insured ensures that your pet gets the best care possible without you having to make heartbreaking choices based on what you can afford.
When can my pet register?
Most pet insurance programs are available for any healthy pet that is 8 weeks old or older. Make sure you know how old newborn pets should be before they are covered for any accident or illness.
Do I get a discount if I insure more than one pet?
Some policies offer a discount for each additional pet you insure. If you have a lot of pets, most pet insurance plans will give you a multi-pet discount.
Is this a comprehensive insurance program or a discount program?
It is important to know the difference between the two. An insurance program would be similar to people insurance programs. A discount program operates for an annual fee and offers discounts on vet services and other pet-related costs. Make sure you get all the details for the plan you are interested in.
Is my pet covered if it travels with us?
Some policies will cover your pet while travelling. Check the program type and see if your pet has travel coverage and which parts of the world they are covered in.
When does the plan take effect?
Some plans (especially health coverage) have a waiting period of 1 day to 2 weeks from when you sign up until the plan actually takes effect. A vet examination may be required before your pet is accepted. Other programs will start as soon as they receive your payment and registration. Lets you know when your plan starts and ends.
How is a claim processed?
Most pet insurance companies have a claim form available online or a phone number you can call to make a claim. Usually, you pay your vets and your pet insurance company reimburses you. Check your policy to make sure you know what options are available to you.
Is there a deductible on services?
The deductible is what you pay before the insurance starts and pays the balance. It works in the same way as car insurance, the smaller the deductible, the higher the premium. Each program has a different deductible, so look for one that is affordable.
How do I cancel my policy?
If you change your mind, most programs allow you to cancel within the first 2 weeks, provided you have not filed a claim. Make sure you know the details for cancellation for any reason so that you are aware of any refunds, etc.
Does the company have good customer service?
This isn’t really a question to ask. It’s something you have to take into account. Using a company that is helpful and answers your questions to your satisfaction will make dealing with them much more enjoyable over the life of your policy.
By asking the right questions, we were able to narrow our search for the best pet insurance company for us and our pets. Be sure to contact your state’s insurance commissioner to review the performance record of the company you are considering.
Make sure you understand all the details of your pet insurance policy and ask as many questions as necessary before completing the application and going through the required checks. You’ll be glad you did.