Many of our pets are just like family–the dog is in every family holiday photo, and the family cat gets catnip and toys on his birthday. We treat our animals like our own children, but when it comes to them becoming sick or injured, their treatment can be considerably more expensive than an office co-pay for ourselves or one of our children.
Pet insurance has been around for a number of years, and has continued to gain popularity as pet owners are realizing the financial benefit of having pet insurance on our animals. One simple sickness can end up costing thousands in vet fees, and a simple injury could mean extensive (and expensive) surgeries.
When shopping for insurance for the family pet, it is important to do thorough pet insurance comparisons before investing your money in a company to take financial care of your animal. There are a number of things to take into consideration when shopping for pet insurance.
First, be aware of fraudulent companies. Check the background of a pet insurance company to ensure they are reputable and that you are willing to trust your pet’s healthcare with the business. Do a little research online regarding your top choices for pet insurance comparison to get a better picture of the company, including any customer complaints and scam reports that may exist online.
See if your pet qualifies. Just like health insurance for people, pet insurance may be disqualified if they have certain per-existing conditions or are of a certain age.
Find out if you have to go to a specific veterinarian for your pet’s care under a certain pet insurance company, or if you have the choice of who to take your pet to for appointments.
Most importantly, review the specifications and policy limits on each plan. It is important that you fully understand what your plan does and does not cover when it comes to expensive health care (such as cancer treatments), emergency visits and if wellness checks and routine care visits are covered or required in order to keep policy coverage current.
Pet insurance comparisons don’t have to be stressful. Knowing what to look for in a pet insurance company is essential to choosing one that fits your needs the best. Because our pets are part of the family, and they should be covered with pet insurance to ensure they live long, happy, and healthy lives!