Choosing the right pet insurance is like choosing any other form of insurance: you have to be certain it’s right for you (and your pet!). There are certain things that pet insurance policies cover and certain things they don’t, and so you want to be sure the one you choose is right for your pet and will cover the necessities of being their owner.
With that in mind, let’s take a look at some of the questions you should ask when analysing pet insurance companies:
- How comprehensive is the plan?
Different pet insurance policies cover different veterinary aspects and you have to decide which one is right for your pet and your budget. For example, some plans may cover everything from cancer treatment to ligament conditions whilst others may not.
Naturally, insurance policies that don’t cover all bases will be cheaper than those that do, so it’s up to you to decide which option will be best for your budget and your pet’s health.
- What is included in the policy?
As aforementioned, some pet insurance policies cover pretty much every base when it comes to a pet’s health, whilst others cover many aspects but simply not every element of the pet’s health.
If ensuring your pet’s health is taken care of on a comprehensive scale then you might want to opt for a policy that takes care of most medical situations. Otherwise, you can still go for a cheaper policy that covers many medical situations all the same.
- What are the waiting periods?
Like other forms of insurance, pet insurance may incur certain waiting periods before the insurance policy comes into effect. You may have to wait up to 14 days for illness, a few days for injury and 14 days or more for a specific ailment.
This is typically the same with most pet insurance providers, but it’s always important to know before you take out that policy.
- Does it include prescriptions?
Pets often require prescriptions for consistent ailments – this is often part of being a domesticated pet and part of life as an owner. However, not all pet insurance policies cover prescription medicines that your pet may have to continue taking.
It’s important to look into the policy before signing up to see if it covers this often standard cost of being a pet owner. Many don’t, but thankfully many do, and it can make a huge difference in the overall cost of being a loving pet parent!
- Is the company reputable?
Before you go putting pen to paper it’s important to ask yourself whether or not you can trust the pet insurance provider. In the digital era, one of the best ways to tell if the company is reputable or not is by simply searching them on Google and clicking on their reviews section.
If you read near-endless reviews about how the pet insurance provider ripped off the owner for this amount or didn’t live up to their end of the bargain then this is an absolute red flag that should be avoided by any means!
Another way you can find out is by checking the company’s accolades: a good pet insurance provider will be known across the board and will have the insurance awards to prove it. If you find a provider with plenty of accolades to its name then you can just about be certain that this is a reliable company for your dog or cat.