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posted on 15 February 2012
Pet insurance can help you maintain your pet's health and help cover the cost of expensive tests, procedures and medication if the need arises. Compare pet insurance policies to find the best policy for your pet and your financial needs. Select at least three policies that sound like they fit your needs and carefully compare them to select the best one for you.
Look at the financial aspects of each policy. Compare the premium you pay, any deductibles or co-pays and the annual or lifetime limits on how much the insurance will pay out for your pet. A plan that costs you $50 less in premiums but has a much higher deductible won't save you any money if you have to utilize your pet insurance. A less expensive plan with a much lower lifetime payout may not be beneficial over a plan that costs a little more now, but also covers much more.
Read the fine print to see if there are any particular procedures, tests or treatments that are not covered by the pet insurance policies. Read up on your pet's breed to determine if there are any specific issues your pet may be prone to. Avoid policies that don't cover ailments your pet may be prone to. For example, larger dogs commonly develop hip problems, which is something you want covered if you have a large dog.
The type of pet you have may also help determine which policy is best for you. Compare Pet Insurance policies for your type of pet to get a thorough understanding of what will and won't be covered. For example, birds will have different needs than cats. It won't do you or your pet any good to compare plans designed for cats if you have a bird.
Your pet's age should be another determining factor when comparing different policies. Older pets typically have different health needs than younger pets. For example, a younger pet may only need a basic policy that covers basic check-ups, vaccinations and accidents, while an older pet may need medication or more specific treatments. |
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