If you have never owned a dog or cat and think that an occasional visit to the vet is all there is to taking care of your pet’s health you are way off. If you bring an animal into your house you are obligated to care for their health the best you can. Many pet owners have to face hard decisions when it comes to spending lots of money to save a pet. After spending about $12000.00, last year, on chemo treatments for our last Labrador I am starting to investigate getting pet insurance for our new girl that will be here in a month. In order to do a proper pet insurance comparison there are lots of questions that need to be answered.
Just like with people, and most of the policies are written by pet insurance companies that cover people also. That being said the same basic factors come into play when getting a quote from a pet insurer.
How old is the pet? You will pay more for older dogs so it may be a good thing to check into pet insurance early. Our new pup is a month old and we will not get her for another month but after almost going bankrupt trying to save our last buddy well, it’s well worth looking into now.
Can I keep my present vet? Looks like some will and some deal with in-network doctors only. We have had the same vet for about 30 years now. I will keep going to this veterinarian and only choose a policy that allows this or has our vet in-network.
What breed is the dog? Some policies may not cover genetic predispositions for certain illness. Although they may cover your pet be sure to make sure the policy does not exclude certain genetic conditions. For instance Dalmatians tend to be subject to hereditary deafness so make sure the policy does not exclude hearing related health issues.
Are there any preexisting conditions? Just like humans you can be denied coverage for preexisting conditions.
Make sure the insurance company covers your state. Look for testimonials and check with your state’s insurance commission does not have issues with the company. Usually you can check these type of things on line.
What type of coverage do you need? Most policies cover emergency issues but not standard checkups and maintenance. You will be able to pay extra for regular visits as an add on or a rider.
We did at one time have pet insurance through a work policy but this proved to be virtually worthless in paying for anything preventative or emergency and we eventually dropped it. Had we had a good policy on our last dog we would not have had such a tough financial challenge.