Insurance is always a game of trying to interpret the legal talk in the policies and quotes we are given. Pet insurance quotes are no different. They are filled with little items which if not noticed can leave you paying a major medical bill out of your own pocket.
One of the sneaky little things in pet insurance quotes are all of the exemptions you might overlook. Many breeds of dogs and cats have particular health weaknesses. They may be more prone to cancer, or digestive problems, or even hip failure. Many times these items which are going to be our biggest future medical expenses for our pets are exactly the ones which are exempted. It may not be good enough to listen to the sales person’s advice on the policy, you need to examine each of the pet insurance quotes carefully yourself.
Another area to watch carefully for is genetic issues. Many policies have exclusions for genetic issues passed down through a family. Once again, this is a tricky issue. Unless you know the history of your pet’s family it may be difficult to know.
Examine each of the quotes carefully for the amount of the deductibles. This will be your out of pocket expenses for each visit to the vet, or each new condition. Some policies have no deductibles, others have very high deductibles. This figure plays a large part in determining the cost of a policy.
Check to find out how much the total lifetime coverage is for your pet. While one policy may have a limited amount they will pay throughout the life of your pet which will not cover a major problem, another policy could be very generous. These amounts contribute to the overall cost of the policy.
Make sure you know all the details of what each of the pet insurance quotes covers. Does it only cover accidents? Does it cover routine vaccinations and checkups? Will it pay for cancer treatments? These details are what makes the difference between a policy which saves you money and gives you confidence, or a policy which makes you frustrated when they don’t pay. It will not be the fault of the insurance company. They have spelled out exactly what they are going to pay for, it is up to you to read the fine print, and ask the right questions to know.
Comparing different policies and pet insurance quotes from a single company can give you a very clear idea of what they will cover. Many times they offer several different plans for your pet showing different options for coverage. You will see as the prices rise you will get more comprehensive coverage for your pet. Choose carefully and you will have a policy which will cover your needs. Still ask the important questions about breeds, genetics, and other exemptions. Having a great policy is going to give you confidence in taking care of your pet. Instead of the possibility of facing a huge bill, you cannot afford, you will be able to take care of your pet’s health with small monthly installments.