If you’re an animal lover like we are, you aren’t being hyperbolic when you call your pets your fur babies. Your pets truly are family, and the joy and sense of well being they bring to your life can hardly be measured. With that in mind, choosing the right pet insurance can make a significant difference in the health and wellness of both you and your pets. However, there are many factors you’ll need to consider when choosing your provider and plan that you may not be aware of. That’s why our experts are here to share some pet insurance tips to help you buy the perfect plan!
1. Talk to Your Vet
Before you get too invested in the process of shopping for different policies, it’s a good idea to talk to your vet to make sure they accept pet insurance. If your vet does accept pet insurance, make sure to get any necessary information about any providers they may not accept. The last thing you want to face is choosing between the right vet and the right insurance plan!
2. Vet Different Providers
Once you’ve gotten the info you need from your vet, it’s time to compare different plans and providers. While there are plenty of variables to consider, one of the most important things you should compare are your payment options with the providers you’re vetting. Ideally, you should look for a plan with the option to pay annually upfront for a discounted rate.
Need coverage for multiple pets? Many providers offer a 5% discount to families with 2 pets, and a 10% discount to families with 4 or more pets!
3. Research Coverage Details
In addition to payment options, you should look into the coverage details of the providers you’re considering. Many pet insurance policies have exclusions for pre-existing conditions, or hereditary health risks related to breeding. With that in mind, you should also make sure you’re familiar with any common health concerns associated with your pet’s breed. Furthermore, you should make sure that your pet’s medical records and health history are up-to-date and accurate.
4. Assess Your Needs
Now that you’ve thoroughly researched your options and narrowed it down, it’s time to really think about what you and your pet are looking for in your coverage. If you’re after a plan that will cover the routine care like vaccinations and flea, tick, and heartworm prevention, your ideal plan won’t be as robust. However, if you want to cover the routine and unforeseen, you should set your sights on a plan that includes hereditary conditions and your pet’s overall wellness.
Choosing the Right Pet Insurance with Our Team
Depending on the complexity of your pet’s needs and your own financial conditions, choosing the right pet insurance can be more daunting than you may have expected. Regardless of your circumstances, our team can make the process of buying pet insurance simple and painless. For guidance from a whole team of animal lovers, give Lifetime Insurance a call at (972) 771-2622 or visit our website!