While most people have insurance for the human members of their family without thinking twice about the cost or whether or not it is something they really need, there are many people who haven’t taken the time to insure their pets. This can cause major problems in the future if their pets face medical problems and need expensive surgery. Rather than having to make a hard decision in the future about providing medical care to your furry friends, when you opt for insurance for your pets you can rest easy knowing that they will receive the care that they need. Before signing a contract, however, there are a few things that you will want to consider to make sure that you choose the right insurance for your animals.
What Kind of Insurance Is Being Offered?
There are a few major types of pet insurance that you may choose from when choosing insurance for your pet, which is why you want to make sure that you are clear on the type that you choose. One popular option is accidental injury coverage, which will provide you with reimbursement when your animal is injured. Another popular option is accidental injury illness coverage which will offer reimbursement for both accidental injury, as well as illness. Finally, major medical insurance covers not only accidental injury and illness, but also routine care.
Is There a Waiting Period?
Another question you will want to ask is if there is a waiting period before the new policy will take effect. This is important, as you want to make sure that you know exactly when your new coverage will begin and also when it will end. If you don’t know when the coverage begins, then you can’t be sure whether your pet will be covered in the event of an injury or major illness.
What Exclusions Are There?
Many types of insurance for pets have exclusions, and since they will vary depending on the type of coverage that you choose, you need to make sure that you check to see if there are any exclusions that may affect the care that your pet receives. Often, companies will exclude covering pre-existing conditions, as well as any hereditary defects that your pet has. Some companies may be willing to extend coverage to common exclusions if you are willing to pay for the additional cost. Otherwise, you need to be prepared that you will not get the coverage and care for certain problems that your pet may run into.
When you buy insurance for your pet, you are making an investment in their health and their future. It’s important that you are prepared with questions that you need to ask the insurance company before you sign a contract with them. This will ensure that you are able to get the right kind of coverage for your pet based on their health, age, and current and perceived needs. Insurance provides peace of mind knowing that your pet will be taken care of and that you don’t have to worry about the expense of their medical care.