There are very many pet insurance policies on the market and online is the ideal place to look and compare. There are reviews from customers and they can be a good indicator of credibility as customer satisfaction is often due to good service given.
Exotic pet insurance
Many companies only insure dogs and cats but there are companies that cover exotic pets. exotic pets cover a multitude of many other pets like gerbils, birds, snakes in turtles in fact many pets come under the banner of exotic pets.
VPI, a well-known insurance provider provides an exotic pet cover as well as dog and cat insurance.
For more specialized insurance such as for a horse, there would be specialist insurance companies.
As an experiment, I looked for Llama insurance; and what do you know? It was there with another specialist insurance company so if you search hard enough most pets are insurable somewhere or the other.
Most American insurance policies reimburse 80% of the cost and in some cases 90%. You really have to give a good deal of thought to what you want and exactly what you want covering.
Know your need
There are accident only policies, which cover you for everything that is accident related only. In most cases when you take your pet to the vet it is going to be for illness so consider at least a step up from this as the likelihood of illness is greater than accident.
Commonly, people insure their pet for accident and illness and you can upgrade that to include vaccines, spaying/ neutering, heartworm prevention, yearly tooth cleaning and more.
There is usually a maximum incident benefit and maximum yearly benefit. Make sure you are fully aware of these amounts before you sign up. There would be an annual deductable ranging from $100 to $200.
No leg work required
It is so much easier to obtain the best deal as all companies these days operate online leaving you able to request simply a quote from many companies. It is for you to study the quotes and study them well.
The small print syndrome comes into play in insurance matters as much as anywhere so study what they are offering you. It never hurts to ask. It is so much easier nowadays, the tendency in the past was to take the first one you speak to as phone calls, and traveling to the different pet insurance branches was a chore. We can no longer use that excuse as a reason as to why we signed up to a decent pet insurance policy.
There are extras you can add on. You can even have your pet boarded and paid for by the insurance company in the event of hospitalization of the pet owner. If your pet goes missing, you can have insurance to cover missing posters costs and even receive a payout on the death of your pet.
There are travel insurance plans for pets available also.
Most importantly know your need and ensure your coverage is enough for all eventualities or strike a balance between need and budget. Read reviews and do not be shy to ask direct questions to any potential insurer.