8 Tips to Consider When Buying Pet Insurance

The costs of veterinary services nowadays are at an all-time high, which is why many pet owners have availed of pet health insurance. If you are getting weary of leaving the vet’s clinic with a considerably lighter wallet every time then you need to get the most affordable pet insurance that you can find that will cover all of your pet’s health and wellness needs.

Do I Need Pet Insurance?

Many pet owners ask “is pet insurance worth it?” and the answer is a resounding “yes”. This is especially true if you have a purebred dog or cat, mainly because they are more prone to various kinds of ailments as compared to their mixed breed cousins.

Here are some tips on how you can find the best pet insurance for your four-legged friend:

  1. Before you purchase puppy insurance or cat insurance, you should ask your favorite veterinarian which companies he/she is affiliated with; you will only be wasting money getting a certain company’s insurance plan if your veterinarian is not affiliated with said company.
  2. Usually, the bigger companies tend to be affiliated with the most vets, so you really could not go wrong in getting the big name brand pet plan. Sure, you will be spending a bit more on the insurance policy, but at least you will have some peace of mind that your beloved pet will receive the best healthcare.
  3. If you are planning to get the best pets insurance, you need to provide the insurance company with your pet’s complete medical records, and you also need to make sure that you are doing your best to keep your pet healthy.
  4. If you have a purebred pet dog, and he has suffered through a couple of bouts of serious ailments in the past, do not be surprised if the insurance company says that you have to pay a high insurance premium cost. Pet insurance companies will have no trouble charging you with a low insurance premium if your pet has not suffered from any major illness and is always healthy.
  5. How much is pet insurance, you ask? Just like regular healthcare providers, cat and dog insurance cost will vary depending on the company, so you need to shop around to find the best deals. However, it seems like the rule of thumb when it comes to pet insurance is that the higher the cost, the better the coverage you will get.
  6. If you do not own a purebred dog or cat, and your pet seems to be consistently healthy, find a plan that covers the basics, like check-ups and the occasional booster shots.
  7. On the other hand, if you have a pet whose breed is notorious for having some serious health issues, then you need to make sure that your insurance covers them. For instance, pugs tend to have a lot of breathing problems because of their squashed muzzles, so you need to take that into consideration when shopping for pet insurance for dogs.
  8. Shop for pet insurance online. Rather than walking all over town looking for pet insurance companies, you should just search for them online. The best benefit of online purchases like this is that you can easily compare pet insurance cost with just a click of the mouse.