The main reason why pet owners turn to getting insurance for their furry family members is to ensure that their pets get the proper care and sometime emergency treatment they need in an event of an accident. The second reason why pet lovers search for pet insurance quotes online is to be sure that they are enrolling their beloved pets to a premium they can benefit from the most.
Accidents and other illnesses can strike at any moment and no pet owner wants to face the decision of foregoing treatment because they cannot afford to pay the bills out of pocket. Get the best pet insurance premiums available by comparing different prices online. Here’s how you can do that:
Factors To Consider When Choosing Pet Insurance
There are many pet insurance providers available online, but they are not all the same. There are some factors that a pet owner must consider and prioritize before purchasing a premium. These are the most common factors that affect a pet owner’s choice.
There are different kinds of coverage options to weigh. Illnesses and accident policies are usually offered as a standard package. Adding a wellness coverage will cost more, but it also covers routine vet visits.
Co-payment means that the pet owner may need to shell out a certain amount for certain procedures and treatments. The most common co-payment scheme is 80 (insurer) / 20 (pet owner). Look for premiums that offer 100% payment coverage. They cost a little extra, but this means that you no longer have to pay anything out of pocket for most procedures.
The waiting period is a way for insurers to ensure that no false claims are made. When looking at pet insurance quotes online make sure to read the fine print about the waiting period to avoid any misunderstandings with your insurer. Typical waiting periods last between 3 – 30 days, depending on the type of insurance policy and several other factors.
Pet Age Limit
The age of your pet will also determine the cost of the premium. Some insurance providers will not accept senior dogs and cats due to their susceptibility to sickness. Most insurance providers prefer to provide insurance for kittens and puppies starting at the age of 8 weeks. Some have a 10 year cap for pets, but note that the older the pet the more costly the premiums become.
Pet insurance policies, just like any health insurance policies require a monthly payment. These payments go from $35 and up, depending on the type of coverage. It is a rather small monthly fee to pay to have a safety net in case of accidents and illnesses.
When looking at pet insurance premiums also check if the provider allows for add-ons. These may include vaccinations, teeth cleaning, spaying, neutering, and other procedures not included in the original plan.
Try to get as many pet insurance quotes online to compare their coverage, prices, and other important factors. Choose a premium that your pets can benefit from the most! We explain it more at petsinsurance.co. If you’re wondering what’s covered and not, visit this page: https://www.insurance.wa.gov/whats-covered-and-not-covered-under-pet-insurance.
Finding pet insurance online is as easy as getting in front of the computer or browsing on your mobile device. But let us answer all of your questions about pet insurance at