subject: Should You Buy Veterinary Pet Insurance? [print this page] If you have a pet, then do you need to secure veterinary pet insurance? For those who love and cherish their pets, this is a crucial question. Here are some tips for determining whether you should purchase a certain pet insurance policy:
1. Consider a veterinary discount program.
This is an alternative to a pet insurance policy. A discount program works somewhat similarly to an insurance policy, but there are some differences. As its name implies, a discount program will give you a discount on certain types of veterinary care-usually about 25%. Typically there's also no upper limit, and no deductible.
2. Determine how much of your veterinary charges a company would cover.
Some providers of veterinary pet insurance will only pay a certain amount of your veterinary expenses. That figure can range from a small amount, to the full amount. You might determine that certain types of policies simply would require too much out-of-pocket expense.
3. Look for multiple-pet discounts.
If you have multiple pets, then this can serve as an excellent way to save money on pet insurance.
4. Determine what restrictions are enforced.
Sometimes pet insurance companies won't cover certain pre-existing conditions, or pets of a certain age (usually at least nine years old).
5. Determine what type of coverage you'd need.
The amount and type of veterinary pet insurance that you'd require would impact the price tag. Here are some important questions to consider:
* What pre-existing conditions are excluded from being covered?
* What are the eligibility requirements?
* Is your current veterinarian an approved provider?
* How high is the deductible?
* Is there an upper limit of coverage per incident, or per year?
After determining the answer to these questions, you can determine the coverage that you'd need for your pet dog, cat, or Hyacinth Macaw bird. Answering these questions will help you to conclude whether you'd need a cheaper policy that only covers injuries and illnesses; or a comprehensive policy that includes routine checkups, preventive care, and so on.
Should you secure pet insurance? While the answer is typically yes, it depends on your needs and how well a certain insurer can meet those needs.
by: John Kirzno
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