When You Compare Pet Insurance
Your pet is an important part of your family. The high cost of medical care extends into the animal world, also. Insuring that your dog or cat will have proper medical care is a sound decision. Here are some things to consider when you compare pet insurance.
Dog coverage Determine the feasibility of obtaining coverage for your dog. Can you afford the premiums? How old is the dog? Is it a good time to consider buying medical coverage?
Talking to the vet Ask your veterinarian about the issue of medical coverage. Perhaps he or she has some very good recommendations. Your vet may have access to policies that you can look over. After all, this is probably where you will continue to take your dog. You need to know that the vet will honor the policy.
Check with companies Look up several companies that sell medical coverage for dogs. See if you can get an online quote from each one. Do not look only at premiums. See what types of procedure are covered. Is there any waiting periods? Check into pre-existing conditions. All of these things are very important. You may think that you have coverage, only to find out that you do not.
There are other things to look into, also. You may have deductible amounts to think of. The age of your dog may also have an important part in the coverage.
Check into any type of discount. If you do not see any, it is fine to inquire. For example, you may receive a discount for more than one dog. Maybe you can add another animal like a cat. Not all companies will have discounts. However, it is important to check into them.
Read the fine print on all of the policies. You may be surprised at things that are excluded. Do not leave things like this to chance. Read everything. Your dog's health depends on it.
Cat coverage Much of the things about cat coverage are similar to dogs. However, you need to compare policies carefully. Can you get a dog and cat with the same company? This may be worth a valuable discount. Cat conditions are not the same as dogs. They have different needs. You will probably need a separate policy. Yet, you will need to check online quotes.
For example, do not assume that the cat rates will be as low as the dog. You may find it cheaper to insure them with different companies. You will need to do a lot of comparison shopping. It may be best to do the dog policy first and then concentrate on the cat.
You may only have a cat. In that case, you may be insuring more than one cat. Check into discounts for them. Is it cheaper if they are neutered? Your breed of cat may make a difference also. There are a lot of things to consider.
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