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Select an Insurer
Tips to help you find the right insurance policy for you and your pet:
If your pet has a pre-existing medical condition, make sure this is not
excluded from your policy. It doesn't make sense to buy a policy that won't
pay when you need it.
Check to see if your insurer excludes or charges a higher premium
for your breed.
Review any age limits for coverage.
Some insurers start coverage right away, some require the pet
to be 8 weeks old. Some don't cover pets over 8 years old, some
have no age limit.
If you have more than one pet, ask your insurer if they offer a multiple-pet
discount.
Make sure you understand what your buying. Some policies cover only accidents,
most cover accidents & illness, and a few offer comprehensive coverage, including
preventive care (checkups, vaccinations, neutering, etc.) along with accident and
illness coverage.
Review the deductibles, co-pays and caps on coverage. For example, some insurers
will pay 80% of the costs for treating your pet's illness, others will pay 100%.
Make sure you select an insurer that provides the coverage you need.
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