Posted: Mon Aug 18, 2008 10:00 pm Post subject: Good Pet Insurance Companies
I've had my cat for four years now, and I just now started thinking about getting pet insurance for her. I don't know much about pet insurance, so I was hoping to find some help here. I do have a few questions:
1. What pet insurance company would you recommend?
2. Why or what makes them a good company?
Well, there are several agencies out there to offer coverage to your pet. However, the best way is to ask your veterinarian. He can guide you in selecting the carrier.
However, while shopping for the insurance you can keep the following things in mind,
What are covered and what are excluded in the policy?
Whether your vet accepts the policy you wish to apply for or not?
Like with any other insurance company we want to have a good experience with the pet insurance company as well. Hence, you need to find out how their customer service is like. If you are not satisfied with the first few calls made to the insurer's office, it'd be wise to look elsewhere.
The customer service, claim payment history and the benefits offered by the insurer distinguish between a good and a bad company.
Though Jeremy has already compiled the important shopping tips, I'd still like to add my two penny.
Some pet insurance companies don't include the conditions excluded in their plan in the policy document. Hence, ask specifically to the agent about the diseases excluded under the plan.
Some insurance company may restrict your visits only to the veterinarians included in their network or may not cover the expenses which you may incur while visiting a doctor outside the network.
With the continuous research and developments many sophisticated and expensive medicines are available in the market. hence, you're required to check whether your insurer covers those drugs or not. and if they do, what is the annual car applied to the policy?
Also you should find out whether or not the insurer supports the after-hours emergency services and specialists' treatments.
Here are few companies that offer pet insurance in USA
ASPCA Pet Health Insurance
PetCare
Hartville Pet Insurance
Pets Health Plan
Veterinary Pet Insurance
There are few others as well. However, you should check whether the company is licensed to do business in your state or not, otherwise you may face problem processing the claims.
