Best Dog Insurance Quote
Looking for the best dog insurance quote?
There are several questions you need to ask yourself before you can get the best quote possible on pet insurance.
Buying pet insurance online in a very complicated and difficult thing in a lot of cases. You need to be very clear about what you're looking for and then be very detailed and vigilant about which plan you buy and what that plan is really going to to for you.
One of the things to look for when you are shopping, is whether or not the company you are considering uses a benefit schedule or simply pays your claim based on the veterinarian's charges. Claims paid based on the vets charges in most cases will give you more money back in your pocket.
Another thing to pay close attention to is whether the provider covers genetic conditions. Many dogs are prone to certain genetic conditions. For instance, some large breeds are prone to getting hip dysplaisia later in life. The majority of the leading pet insurance companies refuse to cover these types of conditions. (They can be very expensive to treat.) There are a few companies out there however that will cover genetic conditions. It pays to do your homework on these things.
Again, make sure you understand what is and what is not covered. Some providers will cover the dog for it's entire life without exclusions. Many companies however will place extensive exclusions on the policy. Be very careful and read the fine print on these policies. Lot's of pet insurance providers offer policies that carry "per incident" type features. This means that if you file a claim for a certain type of disease or accident, that "Incident" will no longer be covered by you policy. Again, read the fine print very carefully. It can be a very big shock to take your best furry buddy to the vet and get him cared for only to find out that you are no longer covered by the expensive insurance you bought!
Some of the better pet insurance providers are starting to provide quite good preventive care plans for your dog.
These will cover well care and ongoing care for your dog and can help keep your pet in excellent health through out his life.
Most pet insurance companies are very strict about pre existing conditions. For this reason, it makes a lot of sense to get your dog covered as soon as you can when he's a pup, prior to any pre existing conditions rearing their ugly head.
Just be careful and detailed and make sure you know exactly what you are buying before you buy. It's not all about the lowest monthly premium. There are many benefits and drawbacks to any insurance policy and you need to make sure the one you buy makes sense for you, your dog and your check book.
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