Pet insurance is gaining popularity. With it's low cost and comprehensive coverages many pet owners are opting to insure their furry companions.
But when looking to purchase a pet insurance policy there are a few questions you will want to consider. Below is a list of 10 pet insurance purchasing questions to consider:
1. Am I looking for a pet health discount plan or a comprehensive insurance plan?
These can differ. With discount fee plans one would pay an annual fee and get discounted veterinarian and related pet services. A pet health insurance plan would look similar to health insurance for people.
2. Will I get to choose my veterinarian?
Again, since pet health insurance plans are similar to the one's you and I utilize, different plans have different rules. Check to see if your vet is included as a provider for the pet insurance you are interested in.
3. What are the waiting periods?
Like all insurance, there may be a waiting period in order for the policy to take effect and it is important to be aware of exactly when your policy starts and ends.
4. What is excluded?
Pet insurance exclusions can vary depending on the policy chosen. Common exclusions are pre-existing conditions and hereditary defects. Coverages for common exclusions can usually be covered at an additional cost.
5. Will routine wellness care be covered?
If you are looking for a comprehensive policy then you will want to find one that covers routine visits such as immunizations, dental care, and heartworm testing. View Questions 6-10 on page 2