To help better understand insurance providers, you may want to check out the Petinsurancereview.com website (link provided below). Their goal is to help pet owners find the pet insurance that will best suit their needs. The website contains profiles of over a dozen different pet insurance companies, helps guide you through how to get quotes, make a claim & save money.
PetInsuranceReview is an objective resource that can help you compare the rates and coverage from the leading pet insurers. (They provide information on each company and explain the coverage details and costs and supply links to the websites included in their listings).
http://www.petinsurancereview.com
Some of the information that can be found on the petinsurancereview website;
Top Things to Know;
1. Insurers differ
All pet insurance is not the same. Some insurance plans cover accidents to your pet, but not illnesses.
Some plans cover treatment for cancer, some don't. It can be confusing, so you will need to do some research
(that's why we created this website.)
2. Don't just look at the price
A low price is no bargain if your insurance company denies your pet's claim. Cheaper policies tend
to provide less coverage. Will the cheapest pet policy cover your dog's cancer treatment? Probably not.
3. You can use any veterinarian you want
Not sure if your existing vet takes pet insurance? Don't worry, this is not an issue. All pet
insurance companies will allow claims from any licensed veterinarian.
4. You have to pay the veterinary bill out of your own pocket
With human health insurance, your doctor invoices your insurance company and you may never even see the bill.
However, with pet insurance, you have to pay your veterinary bill and then submit your claim to
your insurance company for reimbursement. (This is because pet insurance is considered a form of property insurance.)
5. Pre-existing conditions are not covered
Not ever. Think of it this way: if you got into a car accident and then tried to buy auto insurance the next day,
do you think it would be fair to expect the insurance company to pay for your accident? Me neither.
6. Is pet insurance worth it?
Pet insurance protects you from large, unexpected vet bills. If you are the type of
owner who does not want to choose between going into debt or putting your pet down, pet insurance
is for you.
