Pet insurance is an oftentimes confusing topic, and many pet owners are not sure whether or not to purchase a plan. We are happy to help you compare insurers, but first consider these topics when deciding whether you want pet insurance, and who your carrier may be:
Do they offer a free trial? Some companies offer a one-month free trial with zero deductible. This is a nice way to try out the product without obligation.
How are deductibles met? Some companies run like traditional human health insurance, where the deductible is annual. However, some pet insurance companies have “per condition” deductibles, meaning once you’ve met a deductible for a condition (allergies, for example), you’ve met it for the life of the pet.
Are payouts clearly defined? Some pet insurance companies are very clear about what percentage of the invoice is paid out (after deductible is met), and whether exam fees are included. These are important to know before committing to a plan.
Review what conditions are excluded. Most companies have exclusions for certain breeds since the risk is so high. For instance, it is very important to know whether hip dysplasia would be covered.
Do you want “wellness” coverage? Some companies offer coverage for routine care such as vaccines and dental procedures. This coverage does make premiums go up, but it is important to consider whether you want this.
Do you want high-end coverage for things such as chemotherapy, rehabilitation therapy, or stem cell therapy? Review if these are covered and whether you want them covered.