Is insurance the answer? It depends. Buying pet insurance is both an economic and an emotional decision that needs to be based on your personal financial situation and what you’re willing to pay for peace of mind.
The cost vs. payout. Only in uncommon cases, when a pet required very expensive care, would the coverage have more than paid for itself.
Read, the company's sample policy, including its terms and conditions. Watch for limitations, cost-sharing, and service fees. Most policies require deductibles, co-pays, or both. Look for coverage with simple, percentage-based payouts and no reliance on judgments of what's "reasonable."
Look out for what's excluded. No pet insurance covers pre-existing conditions. Carriers often exclude hip dysplasia, a chronic malady. The insurance company has its own long list of excluded conditions. Some insurers will exclude a newly diagnosed ailment when the policy is renewed or charge you more to avoid such exclusions. An insurer also might impose a maximum limit on treatment for individual illnesses, or on the yearly or lifetime reimbursement.
Avoid riders for wellness care, which are generally not worth the price.
If you plan to use the insurance for catastrophic coverage buy the highest deductible you can comfortably afford.
When you read all of this, be sure you understand it. If not, be sure to ask the insurance company to explain it to you so that there will be no surprises in the future.
No claims forms
No limitations on illness and accident coverage
Unlimited lifetime benefits + no claim caps!
What are the restrictions on coverage, including hip dysplasia
Benefits limited $ /yr
Per-condition deductible (good for chronic conditions)
Optional wellness plan covers spay/neuter surgery
Hereditary & congenital condition limitations in some states
Professional Pet Sitting Services offered in the Upper to Mid-Pinellas County Area