Getting Pet Insurance
Just like with many other things, you can get insurance for your pets. What this does is help you deal with many cost, both expected and unexpected. As with any insurance policy, it is important to read all the terms and conditions carefully so that you know what is covered and what is not. The sooner you get the insurance, the better, as you will likely have lower premiums to deal with.
What does it cover?
Like Auto insurance, it is there for those accidents. While you might not always be able to claim something from regular maintenance, there are things that are dealt with more cheaply. A lot of this will be in the Terms and Conditions of the coverage. It will likely work best pets between particular ages. For a higher cost, most will offer an extended range of coverage.
These can be very tricky to deal with as very few or no companies will cover something like this. This is part of the reason that it is important to read all the terms and conditions. This will let you know if there is potential to cover these conditions. It will usually result in a higher premium/excess, but it could be worth it in the longer run. This is part of the reason why it is important for you to get your pets insured as soon as you can.
Terms and Conditions
Like any other kind of insurance, there is a lot of fine print to it. it is important to handle every company carefully. You will want to do your own research, though we will make a few recommendations, into each company. Some phone calls could not go wrong to get some of the finer points in case there is something vague in the paper work.
Levels of Care
Some insurance carries will offer different levels of care. They are essentially just different packages. It is important to think about which one will best suit your needs and budget. Note that these levels of care can vary from pet to pet easily. Some animals are going to be eligible for more while others are eligible for less. Most of the time it will most worth it to go for their second or third tier coverage. More often than not this will cover more than just accidents.
Some Recommended Pet Insurance Carriers:
Embrace - Largely positive reviews. They offer very fast response times and are generally very knowledgeable.
VPI - Good reviews. Helpful to know about the various conditions your pets can be subject to. Offers coverage for a surprising variety of animals.
Purina Care - Part of a small group of pet insurance companies with approval from the American Animal Hospital Association. Good service and keeps within their bounds.
PetPlan US - Good coverage is offered. Can take some time to process claims but do deliver as promised.