1. Pet insurance companies differ
All pet insurance companies are not the same.Does the insurance plan cover accidents? What about illness? Is there coverage for wellness? Does the policy cover hereditary conditions like hip dysplasia? Is your pet protected for life-long conditions, or is there a time limitation? How much will the company actually pay out both annually and over your pet's lifetime? Is the company well-established and how is it rated?
2. Don't just look at the price of the insurance policy
A low price is no bargain if your insurance company denies your pet's claim. Cheaper policies tend to provide less coverage. Will the cheapest pet policy cover your dog's cancer treatment? Probably not.
3. You can use any veterinarian you want
Not sure if your existing vet takes pet insurance? Don't worry, this is not an issue. All pet insurance companies will allow claims from any licensed veterinarian.
4. You have to pay the veterinary bill out of your own pocket
With human health insurance, your doctor invoices your insurance company and you may never even see the bill. However, with pet insurance, you have to pay your veterinary bill and then submit your claim to your insurance company for reimbursement.
5. Pre-existing conditions are not covered
6. Is pet insurance worth it?
Pet insurance protects you from large, unexpected vet bills. If you are the type of owner who does not want to choose between going into debt or putting your pet down, pet insurance is for you. Especially if you would opt to get expensive diagnostic tests and treatment if needed by your pet. The pet insurance university primer may be of additional help.
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