How to Choose Pet Insurance
Here are some things to consider as you choose pet insurance plans and consider quotes:
Compare providers to find the one with plans that suit your pet's personality and your wallet
Research coverage options so you'll understand exactly what you're paying for
Consider what reimbursement speed and level of customer service you'd prefer
Consider your pets unique medical needs and expenses
If your pet is part of a breed that has a greater risk for a particular medical issue, you’ll want to make sure that you choose a provider, such as Embrace, that covers breed-specific and genetic conditions. If you have a purebred pet, research the breed to see if there are any conditions you should know about.
An unexpected illness or injury that requires diagnostic tests, surgeries, overnight hospitalization and medication can cost more than many pet owners can afford. It’s worthwhile to invest in a plan that covers these costs and prevents a situation in which you are forced to euthanize your pet because you can’t afford treatment. As unpleasant as it is to think about, this should be your number one concern when choosing a pet insurance provider. Emergency care gets costly, quickly, and pet insurance should cover most of the bill.
What Are the Benefits of Pet Insurance?
Taking out a pet insurance plan for your favorite fluffball will keep your spare cash where it belongs. In your wallet. Pet healthcare is getting more expensive every year and knowing that you'll get reimbursed if your pup gets into trouble is the biggest benefit of all. It means that you won't have to choose whether to treat expensive surgeries and unexpected vet bills will be a fraction of what they could have cost.
When Should You Buy Pet Insurance?
You will get the most value out of your policy if you buy insurance when your pet is young. Providers may have a minimum age requirement, but it is advisable to insure your pet as soon as they pass this threshold, which is no more than a couple months old. Insuring older animals, who are often at greater risk for costly ailments, can still save you a lot of money in the long run, but monthly premiums will be higher. Treatment for serious diseases, such as cancer, can cost in the tens of thousands of dollars. Getting your pet put down is unfortunate no matter the circumstance—but it’s preferable that it be for the sake of humane treatment, rather than because the medical costs are too high. It is important to insure your pet before they get sick, because it is unlikely that a policy will cover a pre-existing condition.
So, Which Pet Insurance is Best for You?
Insuring your pet is a smart move that can potentially save you tens of thousands of dollars. It is essential to choose a reliable insurer that you know will pay your claim when the time comes. While it’s best to insure your pets while they’re young, it’s never too late to sign your furry friends up for a policy that will make sure they are cared for in the event of an unexpected accident or illness.
Your pets deserve pet insurance that will cover all their medical needs as they age, and you deserve the peace of mind of knowing you can afford any procedure they may require. See our in-depth reviews of the leading pet insurance providers to learn more about policies, plans, deductibles, and more.