Before spending on a pet insurance policy, be sure you understand what will be covered and what is excluded. If you purchase a policy without doing your research, you may end up surprised at what you have to pay out of your own pocket.
Typically the more benefits the insurance policy offers the higher the price. Some of the cheaper policies may only cover accidental injury and perhaps illness. Spend a bit more to cover routine vaccinations, dental care and other preventative, or “wellness” costs.
Many pet insurers don’t provide coverage for medical conditions that existed prior to a policy being purchased. However, specialist insurers may provide coverage although it is likely to be more expensive and more restrictive than a standard policy.
Some breeds of dogs and cats are more prone to health problems than others. For example, golden retrievers and other large breeds are prone to hip dysplasia. These conditions are often excluded for these breeds. For more information about conditions that might affect your dog or cat, check out our Healthcare Directory or check with your veterinarian.
If your pet needs Accident only, Accident and Illness or Wellness coverage we will help you find a plan that best fits your pets needs.
