Your cat or dog is more than just an animal. It is also your companion, faithful servant, and most of all a part of your family. This is why you use effort, time and money to find the right cover. Nonetheless, you are more certain of finding the best cover from a reputable company. Such a provider will have been in the market for a longtime and over the years will have built a good reputation. The firm will be respected for flexibility, affordability, exceptional customer service and more. Some of the notable providers include ASPCA, Trupanion, 24PetWatch, Embrace, PetPlan, Healthy Paws, Pets Best, AKC, PetFirst, Nationwide, and Figo.
Types of Pet Insurance Plans Available
When comparing pet insurance it’s important pay attention to the type of plan. Yes the insurer may offer competitive prices, but it may exclude options that are best for your dog breed. A plan that is designed for a Singapura or Siberian husky may not be the best for a golden retriever or poodle. Rule of thumb calls for a plan that is tailor-made for your kind of pet. Generally pet insurance plans can be categorized as follows:
-Lifetime –This policy covers your pet during its life against injuries and illness. However, it is renewed annually.
-Maximum benefit – This plan sets a maximum amount for treatment and when you exceed this amount then you will have to pay from your pocket.
-Unlimited Benefits- this is a comprehensive plan that is unlimited and covers any kind of illness or injury. It may also come with a yearly deductible.
-Time limited/12 month policy- your pet will be covered for a period of 12 months. When the period ends you will have to get new policy.
-Accident only – this caters for injuries due to an accident and doesn’t cover illnesses.
Every owner wants a package that fully covers his/her pet. Top insurers also want the best for you and your pet. Unfortunately, even the best will have some exclusions meaning that some issues won’t be covered. Items not covered may include pre-existing conditions, preventative care, veterinary examination fee, pre-existing cruciate ligament issues, vaccinations, grooming, de-worming, and much more. It’s always important to verify these before committing. However, the exclusions are more likely to be minimal if you deal with a top and reputable firm.
The above are among the key considerations when it comes to covering the cost of treating your pet due to either injuries or illnesses. You need to check the reputation, experience, nature of plan, and the exclusions. When comparing pet insurance you should aim at dealing with the best insurers.