What You Need to Know About Pet Insurance

Becoming an informed consumer is the first step in choosing a pet health insurance plan for one’s pet. Most people want to know about costs, coverage, and providers. Listed below are the three basic questions to consider when learning about pet health insurance plans.

  • How much is pet insurance?
  • Which visits are covered?
  • Which plan or provider is the best choice for you?
What You Need to Know About Pet Insurance

How much is pet insurance?

Pet insurance rates vary between different providers and plans. Choosing a plan begins with setting a budget. A less expensive plan may have limited coverage in comparison to a more expensive plans with better coverages. When considering pet insurance cost, one should take into account the amount of coverage he or she would like to purchase.

Why are pre-existing conditions not covered?

Typically, conditions that are present before a plan’s effective date are not covered by most pet health insurance plans. This helps keeps rates low. This is also a great incentive for getting one’s pet insured as soon as possible. Illnesses that may present later in life may be covered if coverage is already in place. Read more about pre-existing conditions here. See other common exclusions here.

Which plan or provider is the best choice?

Choosing a great plan or provider is all about doing research. It will be necessary to compare pet insurance plans to find the best coverage. Long-term, the coverage of a slightly more expensive plan may be worth it. Checking reviews is also a great way to compare pet insurance providers. Unbiased reviews can provide a wealth of information about different insurance companies and plans.

Shopping for insurance plans shouldn’t be overwhelming. When armed with a little bit of information, the process can go smoothly. Setting a budget is the first step in shopping for pet insurance. Next, learning about different coverage options helps to narrow down the field. Finally, plan comparison through research and reviews is going to help one choose the best possible plan. Each situation is different, and there is no wrong way to go about choosing great coverage for one’s pet. Check our FAQ for more information!

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*Pet owners in New York get a pro-rated refund.