When shopping for pet health insurance, there are some options you should keep in mind.
You want to choose the company that is right for you. You also want to have the options that are best for your pet.
Pet health insurance is different than your medical insurance because you have to pay for your pet’s care and then you are reimbursed at a later date. Before purchasing, be sure to verify if there is a limit on how much money you are reimbursed for on each claim. Also remember to ask how long it takes to receive your payment once you submit a claim.
When choosing a company, be sure to find out how long they have been in business. The longer a company has been in business, the greater the chance that they will continue to be there. It is best to choose two or three companies to compare. By comparing price, coverage and any limitations they might have, you can get the best policy for your pet.
Find out in advance what the insurance covers. If your pet has a pre-existing or congenital problem, it could be covered, but it might not be.
Different breeds of pets have different inherent risks of medical problems. Talk with your insurance company to see if there are any exclusions for different health problems. No matter what breed, know in advance if the insurance company puts a limit on any medical conditions or on your pet’s annual coverage.
You want to also find out if the policy covers anything that may arise while traveling with your pet. Additional coverage you might want to verify is alternative treatments, specialists, emergency care, second opinions and preventive wellness. Also remember to ask if there is any reason your pet could lose its medical coverage.