Considerations with Pet Health Insurance

Pet insurance is becoming more like human healthcare insurance. There are deductibles, pre-existing condition clauses, major catastrophe clauses and more. With all these things, how do you choose the right company and plan? Many of the same principals apply to this as would in choosing a regular healthcare insurance plan.

Choose a reputable provider.

Do your research and ask your vet. Your Veterinarian will have some information that you may not be able to get on your own. The vet office likely deals with the different companies, so they will be able to steer you toward preferred programs.

Choose the Right Policy

Like regular insurance, pet insurance offers many policies, restrictions and other add-ons. Policies can cover emergency visits, prescriptions, routine visits and more. Do your research when purchasing a policy, because like regular insurance there are things to be aware of. Some policy premiums increase if your pet has a pre-existing condition or if you have an exotic pet. Another thing to consider is the age of your pet. Policies usually start when your pet is 8 weeks old and won’t cover pets over 10 years of age.

Cost of Policy

The cost of policies varies depending on type of pet, age of pet, pre-existing conditions and more. The average cost for dog insurance is between $22-$28 per month. The average cost for a cat is between $15-$18 per month. If you go with a plan that has a cheaper monthly rate, chances are the deductibles will be higher.

The main thing to remember is do your homework to find the best possible coverage or company. Through your research you may find that pet insurance is not right for you.