12 Questions to Ask Before Buying Pet Health Insurance

#1.  Is there a waiting period before the policy takes effect?

#2.  Choose deductible (annually or per incident)

#3.  Select level of reimbursement (after deductible is met – 70%, 80%, 90%)

#4.  Will they cover any/YOUR vet?

#5.  Is any routine wellness (like immunizations and heartworm tests) covered?

#6.  Are spaying and neutering covered?

#7.  Are prescriptions covered?

#8.  What do they cover?

#9. What DON’T they cover? Any exclusions? (FYI, no policy will cover pre-existing conditions)

#10. Is there a limit to my benefits? Annual/Lifetime?

#11.  What is their claims policy? Is filing a claim easy?

#12. How much is your monthly premium, based on all choices/criteria?

Bottom Line:

If you cannot afford unexpected vet bills, you need to get health insurance for your pet.  Don’t wait until you’re faced with a difficult and painful choice between your pet and your finances.

For More Information, read the article, Health Insurance for Pets – Everything I Wish I’d Known!