Wednesday 9 October 2013

Pet Insurance Comparison


Considering the fact that there are several insurance companies with slightly different offerings, trying to find pet insurance can be difficult.
To review all of the individual policies to help you to select the best choice for you and your requirements is the goal for the pet insurance reviews website.

This short article will go over a number of the policies reviewed so far. Since I'll be updating the table as I review more policies you should continue to check back.

During a previous article I gave some ideas about the types of information you ought to be trying to find when you compare pet insurance. Below you'll find some additional things it's vital to ask your insurer about when you do your own comparison of pet insurance.


Critical Pet Insurance Questions


1.            Price - This is an obvious one, because it's very imperative to stay in your financial budget monthly, but your primary focus needs to be on the quality of the offering instead of the expense alone. For instance many will provide you with lower premiums but ask you for an excess, or just rebate a percentage of the claim. Although it will just make it worth claiming for large bills for the veterinarian, it is a good idea to sometimes choose higher excesses for lower premiums. Some insurance providers will even give you a multi pet discount so it will be worthwhile asking for those who have two or more furry friends.


2.            Lifetime Cover - A number of companies will provide lifetime cover, and this means that even once your pet has turned eight or nine years old they'll renew your policy each year. However if your pet experiences prolonged sickness like diabetes you'll probably discover you can just claim one time and then you're no longer insured for that specific condition. Other insurance companies like PetPlan for example provide a real Lifetime Cover. What this means is that they'll continue covering the health problem of your pet each year giving you the opportunity to claim for a persistent disorder each year up to the annual limit.


3.            What is Covered? - Getting reimbursement for your veterinary costs if your pet is hurt or becomes sick is the main reason you're looking for insurance. The waiting periods and exclusions will differ with some companies. So you don't get any crazy surprises at claims time you should make sure you know what's covered and what isn't. I have mentioned within a prior posting several of the questions to ask about rebates. Take a look at some particular health conditions you should inquire about

a.            Hereditary and Congenital Conditions - Health conditions like heart defects and diabetes won't be covered by some companies. It is definitely worth asking about these health problems specifically.


b.            Cruciate Ligament and Orthopaedics - Be sure to ask insurance companies if they deal with cruciate ligament tears. If they say “yes”, ask if it's bilateral coverage, which means that if a leg is impaired will the other leg still be protected. If you own a dog you should inquire about one more orthopaedic issue referred to as hip dysplasia, since dogs such as a Golden Labrador are quite susceptible to it.

Conclusion

It is always a good idea to call the company and ask about the policy first when you are shopping around for insurance. Remember though they'll all claim to be the ones that provide you with the best value for your money, but you should never take their word for it and call around. I called two or three and uncovered great variations in prices.

In order to assist you with comparing many of the insurance policies we have mentioned up to now on this site is a pet insurance comparison chart below. Give the company a call if you have any more questions or concerns, and only buy insurance once you are positive you know what's covered and what isn't covered. That way you shouldn’t have any ugly surprises.
For more about Pet Insurance check our Pet Insurance Reviews

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