Pet Health Insurance Companies

When reviewing pet health insurance companies the amount of information and the types of plans can be overwhelming.

Not to worry…we are here to help you. We understand because we have had to research pet health insurance companies for our own pets.

When you're choosing health insurance coverage for your pet, it's important to understand your options, what the policy you choose will cover and what it will cost.

Plus… it's also important to make sure you pick a reputable insurance company that will pay your claims.Veterinary pet insurance can be expensive, and you don't want to throw your hard-earned money away by purchasing coverage that turns out to be worthless. Take time to do a pet insurance comparison.

Here’s How…

First…there are many things to sort through when you're evaluating your pet insurance comparison.

Here's some information on pet health insurance companies in general, along with some suggestions you might want to keep in mind when you're trying to choose one.

Length of time in business
Like any other type of company, a new pet health insurance company might be perfectly fine.

Yet, choosing a company that's been around a long time and has an established, positive track record might give you more confidence.

Ability to pay claims
Like every other type of insurance company, veterninary pet insurance companies are financially backed by other companies called underwriters.

An insurance company's underwriters help pay insurance claims, so it's important to know which company is underwriting the policy you select. Make sure it's reputable and financially solvent.

Types of coverage offered
You might not realize it, but there are several types of pet health insurance policies.

Some companies might offer every type, but others limit your choices to only one or two (which is fine, as long as that's what you want anyway). Most pet health insurance policies fall into one of the four following types of coverage:

  1. Traditional pet health insurance. This is probably the type of coverage most pet parents have in mind. You choose a particular plan and pay the monthly premium. In exchange, the insurer pays all or part of your pet's veterinary bills. The precise benefits you'll receive will depend on the policy's fine print, so make sure you read everything before signing anything. This type of insurance usually covers treatment for illness and accidental injuries, but some also covers immunizations and other routine preventive care. Often, at least two levels of coverage (basic and premium) are offered, with different premiums.

  2. Accident-only pet health insurance. This type of policy only covers treatment for accidental injuries. All illnesses and preventive care are excluded from coverage.

  3. Discount pet health insurance plans.In exchange for paying your premiums, your veterinary fees will be discounted by a specified percentage - as long as your pet is treated by a vet who's on the insurance company's list of "network" vets.

  4. Customizable pet health insurance.This type of policy provides coverage similar to traditional plans, but with a couple of significant differences: you'll be allowed to select your deductible, and you'll be able to choose your level of coverage.

Some companies will also let you to specify which particular health conditions will be covered. For example, if you have a diabetic dog, you'll want to make sure treatments for diabetes and its complications receive full coverage.

These are a few of the things… you should consider when you're choosing one of the pet health insurance companies that will be vying for your business.

Possibly the most important thing to keep in mind is that if a company's premiums seem too good to be true, well, they probably are.

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