Getting pet health insurance quotes from various companies are important when you want the best pet insurance coverage.
Of course you'll do whatever you can to help your pet enjoy a long, healthy life.
Yet… making sure your pet receives regular, comprehensive veterinary care is one of the most important things you can do. As we all know veterinary care does get expensive.
Fortunately, a number of companies offer pet health insurance. The right policy can help defray your veterinary costs and make being a loving pet parent more affordable.
So, you may want to go ahead and get pet health insurance ... or maybe for now, you just want to find out how much it would cost. Either way, you'll need to get quotes from several pet health insurance companies.
All pets are different, and so is the coverage provided by different pet health insurance companies. While you're looking at the quotes you receive, keep in mind that old saying - "you get what you pay for."
It's important to realize that lower insurance premiums usually mean less comprehensive coverage and higher out-of-pocket expenses when your pet goes to the vet.
The easiest way to get pet health insurance quotes probably involves an online search for companies that sell this type of coverage.
Right now… there are about fifteen of them. Although you might not want to contact all fifteen, you should call as many as you can so you can find out which company's coverage would be best for you and your pet.
But Before You Pick Up The Phone -- Prepare For Your Calls.
Make a list of all the questions you want to ask.
Here is what to consider…
Different companies offer pet health insurance policies with different deductibles, but that's not the only way their coverage can differ.
So in addition to asking about a company's deductibles, your list should include questions about which health conditions might be excluded from coverage (think in terms of pre-existing conditions, hereditary defects, chronic health conditions and elective surgeries, but there might be others as well).
Ask whether there's any waiting period before your pet would be covered, whether any maximum annual or lifetime payout applies, and whether there would be any surcharges because of your pet's age, breed, pre-existing conditions or other circumstances.
Now that you're armed with your list… go ahead and call as many companies as you can.
Ask every company each of the questions on your list, and take detailed notes on every answer. That way you'll be able to compare much more than just the monthly premiums mentioned in your pet health insurance quotes.
Buying pet health insurance can be tricky. Although cost is one of the things you should compare when you're getting pet health insurance quotes, it isn't the most important!
You're a loving pet parent, and you already know what's most important - making sure your pet is able to receive the quality veterinary care he or she needs in order to live a long, healthy, happy life.
Remember…The questions you ask while getting pet health insurance quotes will help you make an informed decision instead of relying purely on cost.