How to buy pet insurance

Cute cat in the clinic
There are reliable ways to find cost-effective pet insurance plans.

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When you become a pet owner, you know to add pet-related expenses (like vet visits, food, and more) to your budget. For many dog ​​and cat owners, this means adding the month pet insurance cost.

There are many good reasons to insure your pets, but peace of mind that your pet is protected and potential long-term savings are probably at the top of the list. Just be sure to do your homework and compare providers and policies.

If you are in the market for animal insurance or want to extend your pet’s coverage, it’s helpful to speak with a professional. They can answer your questions and provide you with a quote so you know what to expect.

How to buy pet insurance

The process of buying pet insurance is simple. Most of the time, you can do the whole process online. All you need to do is fill in your basic pet information and information (age, weight, breed, etc.) on a pet insurance provider‘s website, and then get a cost estimate. You create an account with the provider, then choose a plan, the type of coverage you want, and confirm.

However, before making any official commitments, follow these four steps to ensure you save time and money.

  1. Shop and compare providers
  2. start early
  3. Obtain medical advice
  4. Review your coverage options

Shop and compare providers

Before you sign on the dotted line, make sure you’ve reviewed several pet insurance companies to see what they offer (review at least three). This will help you have a basic understanding of coverage plans and costs. You also won’t pay too much if you know the industry standards.

Just be sure to compare apples to apples so you know exactly what to expect. For example, if you get a quote for a 2 year old, 8 pound cat, also get a quote for the same age, weight and breed type from a second and third supplier. This will ensure that you have an accurate estimate to assess.

Compare your options using the table below.

start early

When it comes to buying animal insurance it is better to start early. Premiums are cheapest when the animal is young and healthy. Their price increases steadily as the animal ages and health problems arise.

You’ll also want to purchase insurance before pet health issues become more prevalent. Significant pre-existing medical conditions (like diabetes) will eliminate the chances of the insurer reimbursing you for those conditions in the future.

So sign up with a provider while your cat or dog is young and healthy, otherwise it will cost more in the future.

Obtain medical advice

Your veterinarian is familiar with a variety of cat and dog breeds. As a result, they are notified of any health issues your pet may have (or be prone to). Talk to them and ask them to help you develop a protection plan. They can help you customize your pet insurance so you only pay for what you need and not what you don’t. This will help you both save money and ensure that the insurance you get is valid.

Review your coverage options

An accident-only policy could be a cost-effective option. It will only cover your pet in the event of an emergency (like broken bones) or if they have swallowed something they shouldn’t have. As a result, coverage will be less expensive than more comprehensive policies. But maybe that’s all you’ll need. For decent protection, at a reasonable rate, this may be the way to go.

make sure don’t pay too much when buying pet insurance. Be aware of the specifics cat and dog breeds, too. Some breeds are much more expensive to insure than others.

Not sure what type of pet insurance your dog or cat might qualify for? Speak today with a pet insurance expert who can help you develop a cost-effective plan.