What’s Important to Look into Before Getting Insurance for Your Pet

Just like any other type of insurance, pet insurance aims to help pet owners manage financial risk much better. It provides monetary coverage against accidents, illnesses, and incidents that may happen to your pet.

However, it can be confusing to determine the right insurance for your pet, especially if this is your first time. Listed below are things to consider when shopping for pet insurance:

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1. Understand the Enrollment Rules

If you are contemplating getting an insurance policy for your pet, you need to familiarize yourself with the enrollment rules. For instance, if you have a senior dog, you should know that it can be difficult to enroll them in some plans compared to young, healthy pets.

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Also, the enrollment period for puppies may vary from one insurance company to another. While others do not have a maximum age limit, others will not let you enroll beyond 10 to 14 years. The minimum age limit may also vary with the insurer, but most enroll puppies that have a minimum age of 6 to 10 weeks old.

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2. Compare Different Pet Insurance Providers

There are many pet insurance companies out there that offer different pet insurance plans. Before you settle for a specific insurer, it is advisable to do a comparison of the prospective agencies to determine which suits your pet best.

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Make the comparison based on important factors such as cost, coverage, premiums, policy, maximum payout requirements, and more. Also, make sure that you ask important questions like whether you have to pay a deductible, if their plans include routine wellness care, if you can choose your veterinarian, and whether there are pet insurance exclusions.

3. Know What’s Covered and What’s Not

To find the best insurance policy for your pet, make sure you research what the plan will cover and what is excluded. Before you make any decision, consider whether you want illness coverage, accident coverage, routine care coverage, or a combination of the three plans.

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An accident-only plan provides coverage for the treatment of injuries after a mishap like poisoning or car accident. On the other hand, routine and wellness cover annual vaccination, neutering, spaying, and teeth cleaning at an additional cost.

Similarly, there are things that most pet insurance policies may not cover. This includes illnesses that can be prevented by a vaccine-like a kennel cough, complex operations, and elective treatments like de-sexing. Other top exclusions include pre-existing conditions, breeding conditions, and congenital conditions.

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Since every policy is different, it is highly advisable to go through the product disclosure statement to know what to expect.

4. Research Pet Insurance Costs

Compare the plan options provided by various insurance providers based on your pet’s needs. Do extensive research on the breed of your pet and speak to your veterinary to determine situations and conditions that are more costly. Usually, these are chronic diseases, emergencies, and sudden or severe diseases.

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Once you have this information, it will be easier to pick a plan for you and your pet. You should also inquire about the deductibles, and whether they are applied annually or per accident. Something else that may affect the cost is the age of the pet.

While the premium cost is also an important consideration, do not pick a pet agency solely based on it.


Whatever your reason for choosing pet insurance is, you want to ensure that the insurer is reputable and offers the best plans for your individual situation. We hope that the above tips help you find a plan that is most suitable for you and your pet.

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