SOME POINTS TO CONSIDER WHEN CHOOSING A PET INSURANCE PLAN
Be sure you understand what procedures and treatments are covered. Some policies will cover preventative care, such as vaccinations, although in some cases this coverage is provided at an additional cost. Often the least expensive time to obtain coverage for a pet is when they are young. Older pets may have established medical conditions that would be excluded from coverage. As with people, older pets may have higher premiums.
Some insurance providers do not offer coverage to pets with pre-exisiting conditions, hereditary conditions, or conditions specific to certain breeds.
Deductibles and Co-pays
Understand what the reimbursement process is and what your “out of pocket” expenses will be. Some insurance providers will allow your veterinarian to submit a claim on your behalf, while others require you to submit the claim yourself and await reimbursement. Keep in mind that your veterinarian will need to be paid for his or her services when care is provided.
Ask your veterinarian about his or her experience with various pet health insurance plans. Ask your friends and family if they have any experience with pet insurance. Their feedback can help you make the best choice for your pet.
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