How to Find Good Pet Insurance

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While you never want to think of something bad happening to your furry friend, would you be prepared if the worst did happen?

For example, you need to think about whether you could pay out for large veterinary bills if your pet was injured or became chronically ill. Could you afford treatment and medication if your pet became ill?

One of the best ways to be prepared and enjoy peace of mind is having pet insurance. Let’s take a look at how you can find the best pet insurance for your needs.

Seal Mitted Ragdoll Cat Caymus looking up outside by brick IMG_4848

Make Sure You Shop Around

It can be tempting to jump at the first pet insurance you see, but this can be a recipe for disaster. You have to make sure that you shop around and explore your options.

There are going to be a lot of choices and some are going to be better for your needs than others. For example, do not be tempted to choose the cheapest insurance plan. Doing so is often a mistake and will probably mean you will find that you are not covered for one thing or another when you make a claim.

In addition, the most expensive may not suit your needs either. So, think about what you want before you commit to a new pet insurance plan. There is going to be something out there for everyone.

Think About What Your Pet Needs

Before you can start to look at the coverage of individual policies, you need to consider what your pet needs. There are myriad differences even between breeds of dog. For example, if you have a senior dog, they may start to develop problems that require medication and regular treatment.

Arthritis, cataracts, kidney issues are just a few examples of ailments from which dogs and cars can suffer. In addition, if you have more than one pet, it may be possible to choose an insurance policy that covers them all.

Often, this can mean a discount as you’ll be ‘bulk buying’ insurance cover. Therefore, take a minute to sit back and write down what your pet needs so that you know what to search for.

Check the Coverage

Before committing to an insurance plan, you need to ask yourself; what does pet health insurance cover? The answer to this question is going to be different depending on the company and plan they offer. You need to know all of the details first.

For example, there are a few types of insurance coverage you will see. This includes accident-only policies, which will mean they only help you pay for bills when your pet is involved in an accident. If your pet is healthy and you do not anticipate problems, but they are active and off-leash a lot, this might be a good option.

There are also lifetime policies that are going to renew every year. You can enjoy peace of mind and know your pet is protected no matter what. One thing to check with any coverage you choose is the maximum claim you can make. For example, some policies will only cover you up to $5,000, while others will go all the way up to $15,000. Always be sure the insurance coverage you buy is adequate for your pet’s needs.

Always Read the Small Print

It can be time-consuming to find a pet insurance plan. There is a lot of researching and reading you have to do to make sure you find the best and most suited insurance plan. If you see a lot of small print, it can be easy to miss it out and think that it does not matter.

However, you have to ensure that you read this small print. It will likely contain important information that you need to know. For example, it might exclude some coverage that you assume the insurance has. So, make sure that you take your time and read everything you can.

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  1. As a responsible RD breeder, I’ve done my research on pet insurance. Pet insurance covers illness and injury, not preventative visits. Trupanion has a Breeders Support Program, where every kitten that leaves here, gets a month of coverage free…the parent can register the kitten the day before they leave and coverage begins immediately. It’s up to the parent, after that month, to see if they want to continue or not, as well as the coverage, the monthly fee and the deductible. For my own new baby, I pay $27/month, with them paying 90% of her bills, including meds. I have a $1000 deductible before they pay anything. I could have chosen the $0 deductible, but, that costs $102/month.
    Also, check on prices for older cats. They can run $260/month, or more!
    Most of us simply can’t afford that.
    I also advise my parents to put money into the bank every month, or get a credit card solely for vet bills. I don’t care if your furkid comes from the shelter, rescued by yourself, or a breeder, there are going to be vet bills. It’s heartbreaking, to me, to hear of people having to surrender their pet because they can’t afford to treat them.
    In that case, if you used a breeder, please tell the breeder your struggles…I take care of my breedings, if I’m aware…

    1. Hi Sharon,

      Yes, there is a pet insurance that covers preventative =)

      I know because I have it and have had it for years.

      We have Nationwide Whole Pet with Wellness.

      My mom’s 16-year old in kidney failure has it to and they have covered nearly everything.

      Thanks for sharing about Trupanion, and yes, my vet also suggested putting away the money you would spend on pet insurance into a bank account – and just save it throughout the cat’s life.

      Jenny

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