Pet Insurance

If you are a pet owner, one of the fundamental issues surrounding the care of your best friend is to find the appropriate pet insurance. To this end, there are specific questions you should ask when searching for a company that offers pet insurance. 

Here is what you may want to ask:

• How much are the premiums? 

• Is my pet covered for pre-existing conditions? 

• Can I utilize the services of the vet I choose? 

• Does the insurance cover my pet regardless of age? 

• Does the policy cover diagnosis of my pet, or is it limited? 

• Is there a flat reimbursement? 

• What is the deductible? 

• How long before payment is received? 

• Do you offer discounts for insuring more than one pet? 

• Are claims handled in an expeditious manner? 

• What are the policy limits? 

• Does the insurance cover accidents, illness, and routine care? 

• Does the policy cover such diseases as cancer? 

• Are surgical procedures covered? 

• Does the policy cover emergency care? 

• Is specialist care included in the policy? 

• What are the exclusions, if any? 

• Are you licensed by the province/state? 

• What is the waiting period before the policy takes effect? 

• Are prescriptions included in the coverage? 

• Is there a limit on how much you will pay per incident? 

• What are the payment options? 

These are just some of the questions you may wish to ask several pet insurance companies so that you may compare and contrast before you decide who offers the best policy for your pet. 

Let’s face it; our pets are family. Their unconditional love is a bond we treasure. To have a sick pet is not only heartbreaking, but leaves us feeling helpless. With the proper insurance, we can ensure our pets are healthy and safe for as long as they live. There isn’t anything we wouldn’t do for our pets, and providing them with the best possible coverage is as important as ensuring our families are protected and well-cared for. 

If you have just acquired a pet, or are thinking of adopting one, take the time to research the many pet insurance companies to ascertain who offers the most coverage for your pet, is willing to answer all your questions, is a reputable company, and handles claims with the utmost expediency. 

There is nothing we wouldn’t do to protect our pets; and purchasing pet insurance and asking the right questions is the starting point in this most important endeavor. 

About the Author

Liane Wood is a chartered insurance professional and registered insurance broker specializing in personal and small business insurance. For more information on pet insurance, be sure to visit: http://www.insurance-rates.ca/pet-insurance-rates.html