Pet Insurance Buyer’s Guide

Pet insurance offers a great way to make veterinary care more affordable for your loving pet who depends completely on you. Here are some helpful tips to ensure you select the right pet insurance for your furry friend.

• Know What Coverage You’re Buying

  Pet insurance plans can cover accidents only or both accidents and illnesses. Some pet insurance policies even cover routine care like annual exams and vaccines. When comparing pet insurance options, make sure you’re getting the level of coverage you want with a payment that fits your budget. Customers have a choice of coverage options to meet every pet health need. Select from these pet insurance plans or customize your own plan by calling 866-690-7387.

• Avoid Premiums Based on Breed

  Other pet insurance providers charge increased premiums based on the breed of your pet. Why pay more? Get pet insurance that doesn’t determine your premium based on the breed of your dog or cat.

• Maximize Your Benefits

  Pet insurance policies have various deductibles, reimbursement rates and coverage limits. Our customers can get up to 90% reimbursement on covered vet expenses*, while other pet insurance providers only reimburse up to 80%.  These plans also offer low deductibles and generous coverage limits on covered expenses.

• Get Reimbursed Based on Your Veterinary Expenses, Rather Than a “benefit schedule”

  A simple calculation based on your vet bill is easy to understand and usually provides you with the largest reimbursement. For example, if your total vet bill is $1000 for all covered expenses and your deductible is $100 with a reimbursement rate of 90%, your reimbursement would be:  $1,000 - $100 = $900 x 90% = $810.

  Other pet insurance providers use methods of calculating reimbursement from a “benefit schedule” that can be confusing, based on outdated cost information and place limits on the amount you’ll be reimbursed.

• Understand Policy Restrictions, Waiting Periods and Exclusions

  Some pet insurance providers do not cover pets younger than 8-weeks-old or older than 10-years-old. You can get accident coverage for pets of any age or select a pet insurance plan that covers accidents, illnesses and routine care for pets older than 8-weeks-old. 

   Also, some pet insurance providers have waiting periods up to 30 days before your pet insurance goes into effect. Our customers receive accident and routine care coverage the day after enrollment and illness coverage 14 days after enrollment.

  Finally, be certain you know what is not covered by a policy. Pet insurance policies can have exclusions for things like pre-existing conditions and hereditary conditions. Knowing these in advance will avoid any surprises later on. Our customers can choose to add riders or coverage enhancements that will allow coverage for specific exclusions by calling 866-690-7387.