When searching for insurance for your pet, you are sure to be confronted with many questions. The following questions are commonly on pet owner’s minds. What will the policy cover? Is there a waiting period? Is there an age limit? What is the difference between a discount plan and a comprehensive plan? The list can go on and on. Let us try to answer a few of these questions and get you started on protecting your pet’s health.
What will the pet insurance policy cover?
This will depend on the policy you choose. Just like human insurance policies, there is a variety of coverage at different price levels.
Are there deductibles for these policies?
Once again, this depends on your policy. There can be deductibles, co-payments, and annual limits. These amounts reflect the cost of the policy. The more expensive polices will have lower deductibles and co-payments with higher annual limits.
Is there a waiting period?
Some policies offer instant coverage. Other policies require a thirty day waiting period.
Pet Insurance Age Limits?
Some insurers require that the pet be at least eight weeks old. Other companies start coverage at the pet’s birth. Insurance companies can also have a maximum age. For example, some insurers may not insure after eight years of age. Other companies, like Argos Pet Insurance, may have no maximum age limit at all.
What if I am insuring more than one pet?
You need to check with the company to see if they offer a multiple-pet discount.
Will my pet need a yearly check-up?
Some companies do require that the pet has an annual checkup. This is considered preventative care for your pet.
Will pre-existing medical conditions of my pet be covered?
This will depend on your policy. Some companies, like Argos Pet Insurance, have no exclusions. Other companies do have exclusions on pre-existing conditions. Make sure the insurer knows of any pre-existing conditions and that the policy that you are purchasing for your pet covers those conditions.
What is the difference between a discount plan and a comprehensive insurance plan?
A discount plan offers you discounts on any veterinarian services or related services that your pet may require. An accident plan will only cover accidents to your pet. A comprehensive plan will cost more, but it will also cover a lot more. Depending on the level of your comprehensive plan, it may only cover accidents and illnesses. Other policies may cover routine visits, immunizations, dental care, and routine testing for your pet.
When acquiring an insurance policy for your pet, remember to ask the insurer some key questions. You want to find a policy that will meet the needs of your pet. Look for a policy that will cover your pet’s age and any pre-existing conditions that the pet may have. You need to check on what the policy will actually cover and what are the financial requirements and limits. With a little research and time, you are sure to find the coverage that your pet needs.