You can get a pet health insurance plan for all of your dogs which covers a whole variety of different elements of your pet’s well being. The problem is, shopping for pet insurance can be a minefield with all the different levels of cover to consider.
Just like shopping for insurance premiums for things like car insurance, rental insurance, etc., shopping for dog insurance takes a little research to find the right company.
Below are a few basic questions that can help you get a better understanding of the type of insurance plan a company can offer for your dog.
How To Shop For The Right Dog Insurance Policy
1. Find out if the insurance company covers any pre-existing health conditions. This is very important because should your dog become ill or have an injury that stemmed from a previous condition, and the insurance company does not cover pre-existing health problems, you may be paying the expense out of your pocket.
2. Be sure to ask if the company is licensed to offer their services in your state. You generally will not have a problem with this issue, but there is the occasional rogue insurance company that covers pets but is not fully legal to do so. In that case, you may come out on the loosing end of an insurance claim.
3. Ask how many years the company has been in business and how long they have offered insurance plans that cover dogs. A fairly new company may not have the experience or the coverage that an older, more experienced service provider would.
4. Ask what the insurance policy does NOT include, such as checkups, heartworm tests, dental care, worms, etc. Obviously these items are important so you know what to expect to pay if a particular health condition with your dog springs up.
5. Find out if the insurance for your dog will cover bone scans, medications, reconstructive surgery, and CAT scans. If your dog gets seriously injured and is suspected of having a major condition as a result from the injury, he may need the above mentioned procedures and tests. These can be quite expensive if the insurance plan does not include them in the service.
6. And of course, be sure to know what your deductible will be. In addition, ask if there is a cap on any specific type of illness or accidents your dog may possibly be in.