5 Helpful Hints For Selecting Pet Insurance

| March 23, 2012
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Pet insurance is a great idea but there are so many policies out there. It can get confusing and frustrating trying to decide which to choose. Here are 5 tips to help you decide which policy to go with.

1. Decide what you want from the insurance

Many companies will offer more than one policy in order to appeal to more pet owners. Usually there is a policy to cover accidents, one for accident and illness and one that will cover accidents, illness and preventative care. Decide early what you expect out of your pet insurance company and look for one that meets those expectations.

2. Do your research

Compare policies side by side and research the different deductibles. When comparing the prices, remember to take try to compare policies that offer the same protection.  Often a higher deductible will result in a lower copay. Remember to research whether your insurance will cover nutritional supplements, prescription dog foods, or hereditary conditions. Most insurance companies will not cover breeding costs or pregnancies so take the time to read the small print with each policy.

3. Read reviews from customers

These are people who bought the insurance in good faith and are either very happy with their experience or are disappointed. Take some time to read their reviews as they may point out parts to the policy that you thought were insignificant or hadn’t considered at all.

4. Start early

Monthly deductibles are cheapest when pets are young and go up as they get older. Preexisting conditions which may present early in life and not cause any problems  until later are likely to be denied by an insurance company for a policy that is started later in life. The best example of this may be arthritis from hip dysplasia or a surgery to remove a skin tumor that has been present for years.  To get the best benefit for you and your geriatric pet, start them with a pet insurance policy very young.

Beagle puppy in grass, sunshine


You may not see an immediate benefit from your pet insurance in the first 6 to 12 months after you start the policy, but hang in there. At some point in your pet’s life there will be an emergency resulting in surgery or expensive diagnostics. During these times,  you will be thankful for the pet insurance policy. If you stick with your insurance policy, over time you will see it pay off.

As we continue to advance the way we practice medicine, we are able to offer better diagnostic tools and save lives. Pet insurance helps the pet get the care they need, the veterinarian be able to offer the best medicine.

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Category: COLUMNS

About the Author ()

I am a companion animal veterinarian at South Arundel Veterinary Hospital in Edgewater, MD. I grew up in Calvert County and knew since I was young that I wanted to be a veterinarian. I majored in Animal Sciences at Auburn University and was accepted to the class of 2010 at Auburn's College of Veterinary Medicine. I love my patients and have the best job in the world!
  • Kenneth

    I work at a vet’s office and the doctor doesn’t really recommend insurance; I could tell you that probably less than 5% of out customers have insurance.. we actually perticipate in a discount program called Pet Assure, a lot of our customers have it and if i wouldn’t get my dog treated for free by the doc I’d probably consider it too lol

  • http://petinsuranceguideus.com/ Dr Doug Kenney

    Merianne,

    Excellent post! Very helpful advice for pet owners about pet insurance.