Pet Insurance Info

Pet Insurance Info

Making a Claim

The following are some handy pieces of advice when filing a claim on your pet insurance.

  • Make sure you read over your policy so that you know what is covered and what is not before you need to use it.
  • Keep all the original receipts and other paperwork you receive and also make copies of them so that you can easily give them to the insurance company as required.
  • Let your insurance company know that you are going to file a claim as soon as possible.  They will be better able to help you complete the process properly this way.
  • Have a look on the assurance provider’s website, as there may be a quick and easy way to submit your claim online, without having to wait days instead.
  • If you need some extra help you can always ask your local veterinarian, who has no doubt spent a lot of time dealing with insurers before.

Pet Insurance 101

Medical care is just as if not more expensive four an animal as it is for a person.  Therefore, having a good insurance policy in place has become much more popular.

When you are looking at each insurance company, it’s best to keep in mind a number of factors including: are inherited conditions covered, are already existing diseases covered and what is the waiting time before the policy becomes active.  Also bear in mind the level of deductible, the percentage of reimbursement you can expect and the ease of the claims process should the need arise.  Other factors which come into the equation are the age of your pet and its location in the country.

Lastly, check whether you are given the opportunity to select your own veterinarian and how much the yearly or lifetime it is, if there is one at all.

Selecting a Pet Insurer

When you come to select an insurance provider for your pet’s policy, first think about the needs of your pet.  Do you want to cover it for routine care as well as accidents?  Does the animal have any pre existing illnesses?  Is your preferred veterinarian part of the insurance company’s network?  Do you expect your pet to need a lot of care?  If so, it may be worth paying a higher monthly premium to have more of the treatment’s cost covered by the insurance provider.

Ways to Save

The following are a set of tips on how to save money when caring for your pet, without compromising the quality of treatment.
Select the best plan for your pet, based on the amount of care you think he or she will need.

See if there are any discounts available for your situation, such as for when you have more than one pet insured with the same company or for neutered animals.
If you think that the pet will need a substantial amount of preventative treatment, it is usually best to go for a comprehensive wellness policy.

Pay for the policy up front for a long time.  As with most products, you get a better deal when you purchase in bulk. Check if there are any discount programs available, as these can help you with the initial cost of treatment instead of having to wait days or even weeks or months for reimbursement to arrive.