Insuring your family in case of an accident or illness is the best thing you can do. This is also true for your four-legged family members. Choosing the best pet insurance plan can give you peace of mind and also cut veterinary costs significantly.
If you’re thinking of getting pet insurance for cats or dogs, you’re on the right track. We have gathered key information and the best advice to help you choose the best pet insurance plan.
Pet Insurance – Key Considerations
The time you should start looking for pet insurance is as soon as you get your pet.
The younger and healthier the animal, the more benefits you can get with lesser premiums. This doesn’t mean you shouldn’t insure older animals as long as they’re eligible to be enrolled.
The premiums can decrease if your pet’s vaccines are up-to-date, the animal is microchipped and
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In addition, some pet insurance companies will not cover health conditions typical for certain breeds. Alternatively, the condition can be covered, but with higher premiums.
Pet insurance premiums are calculated based on a variety of factors. These factors can include the plan you want, the type of animal, its age, breed, health conditions, location, veterinary fees, and even gender.
Types of Pet Insurance
There are several different pet insurance plans offered, divided into two large categories – limited and unlimited.
Limited plans include accident only plans, annual per incident/condition plans, annual maximum plans, lifetime maximum plans, and per condition plans without a time limit.
If you’re looking for the best pet insurance coverage, you want an unlimited plan.
With limited plans, you can easily max out on your coverage and will no longer be eligible for cost reimbursement. Changing the pet insurance provider won’t help since pre-existing conditions are almost never covered. Choose your plan