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The Top 10 Questions to Ask When Buying Pet Insurance

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6. How about neutering and spaying?
Making sure you are able to control the pet population is important for you and everyone around you. Spaying and neutering coverage is great to have since almost all pet owners utilize this service.

7. Does it include prescription coverage?
Prescription coverage is just as important since technology and care for pets is increasing, the possibility your pet will need a prescription medication is probable, and like all prescriptions, they can sometimes be costly.

8. Do I have to pay a deductible?
Just like human insurance, different plans require different deductibles. The deductible is what you pay first before services are rendered so you will want to find a plan that carries a deductible that is affordable to you. Remember though, that the smaller the deductible the higher the premium.

9. Are there any illness and incident caps?
Usually in pet insurance, there will be variety of "caps" or limits on how much the insurance company will pay for a specific incident. A broken leg may have a different cap than spaying so be aware of policy limits.

10. Is the company reputable and providing me with all my answers?
Make sure you feel comfortable with the company you are interested in. Since they will be handling your claims, it is important you are choosing a company that is willing to answer your questions thoroughly, as this will give you insight on how they will handle your future policy. Also, make sure the company is reputable. For a comparison list of popular pet insurance companies see my accompanying article: Choosing the Right Pet Insurance Company

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