Making the decision to insure your pet can be difficult. All consumers just want to be aware of the options they have and which is the best for their pet. It can be easier than you think to find the right policy for your pet’s needs.
In this article, we will take you through the five steps you can take to help you find the right insurance for your pet.
What are Your Pet’s Needs?
Each of our pets has different daily needs such as dietary and exercise. Each pet even has different hereditary developments, be they physical or behavioral, breed-specific (or a blend of breeds) as well as inherited traits both physical and behavioral from our pet’s parents.
All of these traits and factors come together to create our pet’s personality and their daily needs. With such a wide variety of needs, it is important to know the specifics of your pet. Is your pet prone to crewing, but only specific items, does your pet have shorter legs and is prone to back pain because one of their parents was a Basset Hound and the other a Great Dane?
Familiarizing yourself with your pet’s daily needs will help you determine the type of insurance that is best for your pet.
Compare at Least Three Different Policies
Start by comparing different insurance companies. This way you can be sure you have asked all the right questions and received a variety of quotes This may take some extra time, but doing so can save you time and money in the long run and the upfront effort will yield better care for your pet.
Comparison shopping is a great jumping-off point because it can show you what each different company puts more emphasis on. It also breaks the mindset that you’ve already found the cheapest option and there for the best option, which is not always the case.
Sometimes the cheapest option does not offer all the coverage that you need for your pet and you’ll end up paying more out of pocket in the long run.
You will also find through this comparison which companies are more transparent about different aspects of their coverage. Maybe one company excels at offering a certain type of coverage that isn’t as applicable for your pet.
Comparison shopping also helps uncover any questions you may have about different types of policies and just questions you may have for the insurers in general.
5 Steps on shopping for the right pet insurance:
Make a list of pet insurance companies. You can find them by simply Googling “pet insurance” and scrolling down through all the listed sites and advertisements.
You’ll want to get a quote for your specific pet’s needs. You can fill out an online form to have a quote generated.
You’ll also need to provide some details about your pet and what kind of activities they enjoy as well as any behavioral or health issues they may already have. Preexisting conditions do not disqualify you from pet insurance.
Copy and paste the quotes into three separate documents and/or print them out so you can compare them line by line. You’ll want to find something that fits your budget and take into account the deductible to see if it is something you can easily afford.
Decide what you can pay. Most policies with lower premiums have higher deductibles, and if your pet is young and not so stupid you may be able to get away with a high-deductable.
It is important to remember you will pay for the claims on your pet one way or another, save money each month with a higher deductible or spread out the risk through a higher premium.
Some insurance companies like Pumpkin Insurance allow you to adjust your monthly payment and deductible to suit your needs. Keep in mind that a lower premium feels like a comfortable choice, you most definitely get what you pay for.
In conclusion, comparison shopping pet insurance policies are going to illuminate the best company for your needs. A company that offers the most coverage, the highest reimbursements, as well as comprehensible care for your pet are winners in our book.