How to Choose Pet Insurance?

Reviewed By Tom •  Updated: 01/14/23 •  5 min read
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How to Choose Pet Insurance?

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What pet insurance is best? The best pet insurance varies among pets. You need to note that there is nothing as one size fits all insurance solutions. The right plan for you should benefit your specific pet’s needs. It should also be available at a reasonable price.

Pet insurance is significant as it can help cover veterinary costs when your pet needs medical attention. Thus, it is best if you get top pet insurance for your pet. Here is a simple guide on how to pick pet insurance.

Who should get pet insurance (and who shouldn’t)?

Excellent pet insurance can save you from paying out-of-pocket expenses. Below are some of the circumstances when you should get pet insurance:

●    If you own a healthy pet;

Consider choosing pet insurance if you have a pretty healthy pet. A pet with a few vet visits is a perfect candidate for insurance. In addition, insurance coverage is also adequate if your pet has a chronic and manageable illness.

If you need to know the health eligibility of your pet, your vet can advise you. The vet will provide you with information on expected future risks.

●    If you can afford to pay the premiums;

Premium affordability is a vital aspect to consider when deciding whether to get pet insurance. You should get pet insurance if you can afford to pay monthly premiums. Even though self-insurance may be tempting, it can wipe out your savings in an emergency.

●    When you cannot afford to pay thousands of dollars in vet bills;

In emergency cases, vet bills can cost tens of thousands of dollars. If you are sure you cannot afford such an amount, then pet insurance is the best way to go. You can find affordable coverage for your pet at some of the best insurance companies, such as Spokk Insurance.

There are also circumstances when you should not get pet insurance. For instance;

●    When you can afford out-of-pocket expenses;

You can avoid pet insurance if you can afford to pay out-of-pocket expenses. However, you will benefit more and save money with the insurance.

●    If you have an old pet;

The insurance may only do a little if your pet is much older and has chronic issues or multiple surgeries. Also, the insurance company may raise your premium or drop your coverage if your pet gets a chronic condition when covered. The only exception will be if you have continuous coverage.

What is (and isn’t) covered by pet insurance?

How to Choose Pet Insurance?

Pet insurance is not similar to human insurance; there are things that it covers and those that it does not. For example, it does not cover the following;

Pet insurance is best for unpredictable illnesses and emergencies such as;

When should you get pet insurance?

The earlier you get pet insurance, the better, as it will be more valuable. You can choose to do it immediately after taking your pet home. Also, six months after adopting your pet is perfect. The main reason for the time frame is that no pet insurance company covers pets with pre-existing conditions.

You may pay more if you get the coverage at the wrong time. For instance, if you get the insurance when your pet is three-years-old, the policy may not cover any prior illnesses. Furthermore, policies are cheaper for younger pets than older ones. But that does not mean you cannot get insurance for your older pet.

How to find the right insurance for your pet?

A pet owner receives over $1000 of vet bills every six seconds. The statistics show a significant need for pet insurance. Pet insurance can save you in cases when your pet requires lifesaving treatment. When getting pet insurance, you must find the right match. Some of the top things to consider before getting pet insurance include the following;

Different pet insurance plans have varying variables. Thus, it may be challenging for you to find the right company. If you want the best fit, make sure that the plan you select covers what you are looking for in a coverage.

Ensure to ask questions on medications, exam fees, illnesses, and accident coverage. Also, inquire about premiums, benefits, and coverage.

In conclusion

Do you want to get pet insurance? The process of selecting the right pet insurance can be extremely daunting. However, you are good to go if you know your pet’s eligibility and have the budget to meet the required premiums.

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Tom has always loved to write since he was little - he wanted to be either a writer or a veterinary doctor, but he ended up being a professional writer while most of his works are based on animals. He was born in San Francisco but later moved to Texas to continue his job as a writer. He graduated from the University of San Francisco where he studied biotechnology. He is happily married and a soon to be father!