In this episode of PET TIPS, host Nanette Wiser helps you decide if you need pet insurance and how to navigate the options for your fur babies. From accidents to illnesses, the first place to start is to talk it over with your vet and see what they suggest and what they accept. Some animal breeds may be susceptible to pre-existing conditions or have some health issues. Accident and illness insurance for pets can be bought separately or together, but consider having what you need before your pet gets old.
👉Be sure to read the fine print to understand exclusions, deductibles, and reimbursement rates, and consider options like raising your deductible or choosing accident-only plans to lower costs. Consulting your veterinarian can also help you understand your pet's specific health risks and needs.Â
👉Before you buy
Enroll early: Younger, healthier pets have access to the best rates and terms. Don't wait until your pet is sick, as pre-existing conditions are typically not covered.
Assess your pet's needs: Consider your pet's breed, age, and lifestyle to anticipate potential health issues. For example, some breeds are more prone to certain conditions
Talk to your vet: Your veterinarian can help you understand what coverage might be best for your pet's specific needs and may be able to recommend specific coverages.Â
👉Choosing a policy
Compare providers and plans: Shop around and get quotes from multiple companies. Don't choose based on price alone, as policies vary significantly in what they cover.
Understand the coverage types: Decide if you need accident-only, accident-and-illness, or a comprehensive plan that includes wellness and dental care.
Read the fine print: Pay close attention to exclusions, waiting periods, and what is or is not covered, such as exam fees.
Review key policy details: Compare deductibles, reimbursement rates, and annual or lifetime policy limits. A higher deductible or lower reimbursement rate will lower your premium, but will increase your out-of-pocket costs when you file a claim.Â
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