There are at least 76.43 million cats across the United States. This fact makes the U.S. the country with the most cats on the planet. At least 46.3 million households around the country have at least one dog. Additionally, Americans spend a lot of money on their pets. We spend 20.46 billion on their food, $12.56 billion on various over the counter drugs and supplies and about $13.59 million taking our pets to the veterinarian. This is one reason so many people who have animals buy insurance for pets.
Eightandnbsp;Tips for Getting Insurance for Pets:
- Do you have a purebred pet? Some breeds are known for certain health problems. German shepherds, for instance, often develop problems with their hips. By learning more about your pet’s breed, you will be better able to properly evaluate different pet insurance plans and policies. This will also make you better able to provide the best care for your pet.
- Learn the lingo. There are certain terms and a vernacular that comes along with pet health insurance plans. Key words and phrases that you need to understand completely include pre-existing condition, deductible, premium and payout limit. Knowing just some of the terminology can make all the difference when you are evaluating information on pet insurance. The pet insurance process is different than other other kinds of insurance.
- Talk to your veterinarian. If you have a veterinarian that you like, you will want to buy a plan that covers that office. You should start by calling the pet insurance carriers that already have relationships with the veterinarian that you already know and like. Working with an insurance carrier that already knows your veterinarian will make life easier for everyone involved.
- Get more than one quote. There are a number of options for insurance for pets. Start with free quotes you can get online. Call a few companies that offer insurance for pets. Get the prices from at least a few companies that offer insurance for pets. When you are evaluating the different quotes, remember the quote with the cheapest price tag may not be the best plan. You need to make a list of what you need from the pet health insurance. Look over all the quotes you have receiving keeping what you need in mind. Plans with lower monthly or yearly premiums may come with high deductibles and other drawbacks.
- Make sure you really understand what you are getting. Before you buy any pet health insurance plan, make sure you really understand what you are buying, what the plan covers and what it does not. Be completely clear on all of the benefits that will be included, what the limits and exclusions may be and make sure you have read and understood any fine print. This will make things easier for you when you have to file a claim. When you call the company, make sure you get all of your questions answered. If the company you are talking to is not interested in taking the time to answer your questions or address your concerns before you buy a policy and become a customer, they certainly will not take the time afterwards.
- Know when your coverage will start. Many pet health insurance plans have waiting periods. You cannot buy a pet insurance policy for your cat or dog on Monday and then take them into the veterinarian on Tuesday for an illness or injury. Knowing this before you buy the policy will make it easier to work within the parameters.
- Communicate with the insurance company. Good companies that provide insurance for pets welcome developing a relationship with their clients. Ask them questions. Keep yourself informed of changes to their policies and procedures. The more you know about your pet’s insurance plan and what it does and does not cover makes a lot of sense.
- Do what you can to keep your pet healthy. Make sure they have access to healthy and nutritious food. Make sure they can get enough exercise. Give them toys and attention. Pay attention to their eating and toilet habits.
Our pets are members of our family. There are a lot of things you can do to keep your healthy and happy.
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