Pet Insurance Comparison – 3 Things to Look For When Comparing Pet Insurance Companies

As a pet owner, you know that pet insurance can spare you from having to make the painful decision between keeping your pets healthy and alive versus making sure you have enough to pay your own bills each month. That’s why it’s important to go through the process of researching different plans to make sure you get the right type of coverage.

Here are three things to consider when comparing pet insurance companies:

1. Price Isn’t Everything

While price can certainly be a piece of the puzzle when deciding on the right insurance, it shouldn’t be your only one. A majority of the really cheap insurance plans leave you high and dry when you really need them to kick in. Plus, they might make their claims process difficult and extend the time it takes you to receive reimbursements. You don’t want to deal with this hassle when your pet is sick and needs medical attention.

2. Always Check What’s Excluded

Lots of pet insurance companies will be glad to tell what they cover but will shy away when you ask them what isn’t covered. Don’t make this mistake. You’ll find out a lot of your potential out of pocket expenses when you ask what won’t be covered. Most of the time things that shouldn’t be covered are treatment for behavioral disorders as well as any end of life expenses associated with your pet.

3. Availability of Lifetime Coverage

One of the worst case scenarios with pet insurance is that you’ll pay your premium each month and then get dropped by your pet insurance company at the end of the year because your pet has become sick. This is the insurance company’s way of trying to cut costs. But a reputable company will guarantee lifetime coverage for your pet so you don’t have to worry about losing coverage right when you need it.