Getting pet insurance is a great way to save money on your veterinary bills. It ensures you will always be able to afford any medical treatments that your pets will need in the future. Pet insurance also allows you to be able to afford visits to veterinary specialist such as surgeons, ophthalmologists or Internal medicine trained veterinarians. There are a variety of different packages including puppy insurance, geriatric packages and all inclusive packages.
Figuring out which package best supports your specific dog breed, age of your pet and the problems that may potentially occur in the future are some things that should be considered. Pet insurance is a highly growing industry that has new companies being created daily. The best advice is to start with a company that is well established in the veterinary community. Choosing a company: There are too many companies to spend your time searching all the differences. Find a non bias website that compares pet insurance companies, this will allow you narrow down the top 3 or 4 veterinary recommended companies.
Breed: Look into your pets breed: there are specific rules and prices for your pet's breed and age. Also, there may be additional charges depending on the state which you reside. Finally, always check which genetic disease is not covered for your breed. The genetic coverage differs greatly between companies. PetVetWisdom.com provides a great article on genetic purebred diseases so you will know what you need covered. Renewal - Make sure that the company does not exclude coverage on conditions that were previously treated the prior year. Routine care- Puppies should been started on a routine care program that cover vaccinations, spay or neuter and discounts on annual exam fees.
Important points that Pet Insurance companies should include:
- "Open veterinarian choices: Never sign up for a program that dictates which veterinarian you must visit. (Thankfully, this is one of the best differences between human and pet insurance).
- "Emergency coverage: Should include exam fee, advanced imaging such as x-rays, Cat scan and MRI, hospitalization and blood work.
- "Specialists - Covers veterinary work performed by specialist such as surgeons, Internists, dermatologists and Critical care specialists.
Steps:
#1 - Get a quote from a 3 different companies, this will allow you to compare the prices on your specific breed and age of dog.
#2 - Look at exceptions for your specific breed, including genetic diseases that are not covered under certain plans.
#3- Decide your price range and which package best fits your needs, then sign up and feel secure that your pet is covered from any accidents.
By: Dr. Michael Fredrick
Visit PetVetWisdom.com to find the most popular veterinary recommended Pet insurance Companies.
Petvetwisdom was created by veterinarians to help our pet owners save money on veterinary care and find information on common diseases. We have veterinarians on staff to answer any pet questions via email for no charge.
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