Questions to Ask a Pet Insurer

Questions to Ask a Pet Insurer

The most important question to ask your veterinarian, according to the American Animal Hospital Association, is whether there are any health problems your pet may be especially vulnerable to.  The following set of questions is also suggested by the Association, when selecting an insurance company for your pet’s policy:

  1. What are your rules regarding renewal of my pet’s policy? This concerns how a new illness is perceived and whether it is covered.
    With some insurers, if the condition or disease your pet contracts did not exist when you took out your policy, it is covered.
  2. Are there complaints with the Better Business Bureau regarding this insurance company?
    A quick and free check on their website should reveal all!
  3. On pet insurance comparison websites, how does this company fare?
    When comparing, don’t worry too much about the average reviews, look for those which are more in-depth.
  4. Are this insurance company and its representing agent licensed to sell in my state?
  5. Does this insurance company have policies which have high deductibles?
  6. Does the insurance company have an initial trial period for new customers?
  7. Is my particular pet, including its age and breed, covered by this policy?
  8. Is the insurance provider quick to respond when asked for information?
  9. If I wants to amend my policy before it is due for renewal, is there an additional fee?
  10. Are discounts available if I want to cover more than a single pet?
  11. Is my local vet aware of this provider and do they recommend them?
  12. As part of the policy will I be forced to change to another veterinarian which is part of the insurer’s network?
  13. Is the insurance provider’s information consistent across all of their advertising?
  14. If my pet has been covered in the past with a different provider, is it still eligible for coverage under this new provider?
  15. Do the insurer’s regulations for managing disputes seem reasonable?
  16. What is the process if I make a claim and it is denied?

The next questions relate specifically to the policy:

  1. What action should I take if I am unsure of what is covered by the policy?
  2. Can I realistically afford the premiums each month?  Likewise for the deductibles?
  3. A serious and chronic, or inherited for pre existing health conditions home covered?
  4. Does the policy also include care which is routine?
  5. Is there anything which is not covered by the policy?
  6. What are the rules for submitting a claim?  Is there a deadline and if I submit many, does the premium amount change?
  7. What timeframe can I expect between putting in a claim and receiving reimbursement?
  8. Does a list exist of these standard fees with the policy when calculating reimbursement?  If there is one, is it up to date and fair?
  9. How much is the penalty, if there is one at all, for cancellation of my policy?