Finding the Best Pet Insurance Takes a Little Background Work

Finding the Best Pet Insurance Takes a Little Background Work

Finding the best pet insurance for your family can be challenging at the least. Although the Europeans have been insuring their pets for decades, the concept is relatively new to the United States. Where do you start to find the right insurance policy for you and your pets? One of the best ways to approach the problem is to ask the same sort of questions you would ask about an insurance policy for your family. What types of procedures will the policy cover? Is there coverage available for preventative care? Will pre-existing conditions be covered? What is the maximum coverage in critical care situations? What will the monthly premium be? What is the co-pay?

To find the best pet insurance make a list of all the questions that you can think of relating to the policy. Then make a second list that details your pets and their specific medical histories. Once you have done this type of background work it will be easier to spot a policy that will (or won't) work for you. You will waste a great deal less time - for example if your dog is a breed that is prone to canine diabetes, and a policy has an exclusion for that condition then you will know immediately that it is not the policy for you. Attention to detail is the key here to help you get the policy best matched to your pets and your pocketbook.

Do not discount the recommendations of your vet and other pet owners when looking for the best pet insurance policy. Other pet owners that are already insured will have distinct opinion about their insurance policies. Ask around to your friends, call local pet and animal welfare groups and check the internet for testimonials. Your vet will have experience dealing with a variety of insurance providers and will have distinct opinions on the workability of each. Once you have narrowed your choice down speak to the vet about the companies you are considering and get their opinion before making the final decision.

A little background work, investigative research and consultation with your vet should be enough to help you choose the best pet insurance policy for your pets. The rule of thumb is that you want your insurance to be 'sufficient unto the day'. An insurance policy that will cover your pet's health needs, but not charge you for services and extras that you don't really need should be your goal.