There are many things you must take into consideration when you are seeking out health care and health insurance for your pet. I mean they are part of the family, it is wise to take some things into consideration before making a decision. It is essential that you choose the right kind of insurance policy to ensure the health and safety of your pet animal. You can do this pretty easily by checking out the fine print in the insurance information book before you make a decision. You must read this fine print as it normally contains a lot of important information you do not want to miss.
Does the insurance company use a network or do they have a provider list?
Just like normal health insurance you need to find out whether the company uses a provider or a network. If your vet is not a part of the insurance companies list then you may want to find another insurance company unless you don’t mind changing vets and using a veterinarian on their list. Some pet insurance policies will allow you to choose your own vet. You need to find out exactly what kind of insurance the company offers.
There are normally exclusions with pet and animal insurance. Just like with health insurance. Usually pre existing conditions and sicknesses are not covered. If your pet has a health problem before you buy the insurance policy then that particular problem will not be covered on most pet insurance policies. Other treatments such as spaying, vaccinations, flea removal, and heart worm medication are normally not included as well on pet insurance.
Your pet insurance will also have a deductible. Usually between $25 and $50 although the amount could be higher depending on your animals situation. If you have an older pet you will likely pay $50 or more. You will also pay a co-pay every time you go to the vet for a visit.
Is it a one size fits all policy?
Pet insurance companies usually have a limit of how much they will be held responsible for. Usually your pet animal will be covered up to a certain amount and anything beyond that amount will be left for you to pay. You must find this information out before getting your pet insurance.
What are the other benefits..if any?
Most people treat their animals and there pets as part of their own family. Pets need to have medical care available to them, just like a human would. You need to make sure you do your homework and choose a company that loves animals. Find out if there are any other benefits besides medical expenses. Some companies include other perks as well.