How To Choose Pet Insurance? – 5 Tips 2021


Pet insurance offers a great way to make veterinary care more affordable for your loving pet who depends completely on you. Here are some helpful tips to ensure you select the right pet insurance for your furry friend.

A healthy pet means much more than rabies shots and flea treatments. Caring for our animal companions often includes dentistry, surgery, medications, and more. Learn about pet insurance and how it can help keep your pet health costs affordable.

Know What Coverage You’re Buying

Pet insurance plans can cover accidents only or both accidents and illnesses. Some pet insurance policies even cover routine care like annual exams and vaccines. When comparing pet insurance options, make sure you’re getting the level of coverage you want with a payment that fits your budget. Customers have a choice of coverage options to meet every pet health need.

Avoid Premiums Based on Breed

Other pet insurance providers charge increased premiums based on the breed of your pet. Why pay more? Get pet insurance that doesn’t determine your premium based on the breed of your dog or cat.

Maximize Your Benefits

Pet insurance policies have various deductibles, reimbursement rates, and coverage limits. Pet owners can get up to 90% reimbursement on covered vet expenses*, while other pet insurance providers only reimburse up to 80%.  These plans also offer low deductibles and generous coverage limits on covered expenses.

Get Reimbursed Based on Your Veterinary Expenses, Rather Than a “benefit schedule”

A simple calculation based on your vet bill is easy to understand and usually provides you with the largest reimbursement. For example, if your total vet bill is $1000 for all covered expenses and your deductible is $100 with a reimbursement rate of 90%, your reimbursement would be:  $1,000 – $100 = $900 x 90% = $810.

Other pet insurance providers use methods of calculating reimbursement from a “benefit schedule” that can be confusing, based on outdated cost information, and place limits on the amount you’ll be reimbursed.

Understand Policy Restrictions, Waiting Periods and Exclusions

Some pet insurance providers do not cover pets younger than 8-weeks-old or older than 10-years-old. You can get accident coverage for pets of any age or select a pet insurance plan that covers accidents, illnesses and routine care for pets older than 8-weeks-old.  Also, some pet insurance providers have to wait periods up to 30 days before your pet insurance goes into effect. Pet owners receive accident and routine care coverage the day after enrollment and illness coverage 14 days after enrollment. Finally, be certain you know what is not covered by a policy. Pet insurance policies can have exclusions for things like pre-existing conditions and hereditary conditions. Knowing these in advance will avoid any surprises later on.


What is Pet Insurance?

Pet insurance is a tool to help pet owners avoid a financial crisis due to unexpected veterinary expenses for accidents and illnesses. Pet insurance can also reimburse costs associated with routine visits to the veterinarian for physical exams and vaccinations. Compare pet insurance plans to find out how you can save on your veterinarian bills and give your pet the best care available while controlling costs.

How Does Pet Insurance Work?

All pet insurance is based on owner reimbursement. You choose a pet insurance plan that provides the appropriate level of coverage for your family pet. You pay a monthly premium based on the amount of coverage selected. Then, when it comes time to use your pet insurance, you may visit any veterinarian in the United States and file a claim in order to get reimbursed for your covered veterinary care expenses. As with other types of insurance, you may have a deductible and co-payment when filing a pet insurance claim.

How Much Does Pet Insurance Cost?

With monthly payments starting at less than $10 per month, you have the choice of several affordable pet insurance options to fit your coverage needs and your budget. Your monthly premium will depend on the pet insurance plan you choose, whether you are insuring a dog or cat and your state of residence. Find out just how affordable pet insurance is for your pet with a free quote.

Do I Need Pet Insurance?

With escalating veterinary costs, pet insurance can give you peace of mind. When the unexpected happens you’ll be able to focus on getting treatment for your pet rather than worrying about how you’ll afford the vet bill. Unlike a savings account which takes time to accumulate funds, dog insurance or cat insurance ensures you are always prepared for unexpected veterinary bills.

How Do I Choose the Right Pet Insurance Plan?

To choose the right pet insurance, focus on the level of coverage you want from a pet insurance plan and a payment amount that fits your budget. Plans with a lower annual limit will cost less per month. There are plans that cover accidents only, plans that cover accidents and illnesses, and comprehensive plans which include routine care coverage as well.

Do All Veterinarians Accept Pet Insurance?

Since you pay your veterinarian directly and then submit your claim for reimbursement, you can choose any licensed vet nationwide – including emergency care clinics and specialists.

Is My Pet Eligible for Pet Insurance?

Dogs and cats of all ages are eligible for Accident pet insurance. Dogs and cats must be 8 weeks to 9-years-old to enroll in Accident & Illness, Comprehensive or Comprehensive Plus pet insurance. Dogs and cats 10-years-old and above are eligible for Senior Accident & Illness and Senior Comprehensive pet insurance. After initial enrollment, coverage is renewable for the life of your pet.

What Are Common Types Of Horse Insurance Coverage?

Usually, the standard horse insurance policies provide cover for:

  • Death of horse.
  • Public liability.
  • Theft or straying.
  • Personal accident.
  • Dental cover.
  • Stables cover.
  • Vet’s fees.
  • Saddlery and tack.
  • Hire of the horse.
  • Loss of use.
  • Loss of entry fees.
  • Liability of use.

What Are The Top Horse Insurance Claims?

  • Vets fees for illness.
  • Vets fees for accident.
  • Death of horse by illness.
  • Death of horse by accident.
  • Saddlery and tack.

What Are Common Types Of Dog Insurance Coverage?

Who wants a large, unexpected veterinary bill if your beloved dog suffers an accident or illness? Who pays when your dog goes missing?

Dog insurance will help you pay your vet’s fees and usually more besides including costs for advertising and rewards for lost dogs, liability cover if your dog causes damage, and the costs of kenneling if you need to go into hospital.

Your dog insurance may also cover dog travel.

  • Veterinary fees
  • Third party liability & legal costs
  • Your Hospitalisation
  • Holiday cancellation
  • Finding your dog
  • Loss by theft or straying
  • Death from accident
  • Premium Waiver
  • Travel insurance for dogs travelling abroad

Dogs can be covered in a variety of ages for a variety of restrictions. With some pet insurance dog policies, dog insurance cover can be continued for life, no matter how ill your dog is or how much you may have claimed previously. – you should always therefore check and compare the covers offered as they can vary widely.

What Are Common Types Of Cat Insurance Coverage?

Should you need to claim if your cat has an accident or is ill, payments are usually made quickly to either yourselves or direct to the Vet. You should check the claims procedure with the company you choose to insure your cat.

  • Veterinary fees
  • If you need to go into Hospital
  • Holiday cancellation
  • Finding your pet
  • Loss by theft or straying
  • Death from accident
  • Premium Waiver
  • Travel Insurance cover for cats travelling abroad

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