Pet Insurance: What Questions You Need to Ask

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

Return to Top of Page

Return to Free Articles About All Pets - Article Index

Return to Free and Fun Index