One of the best reasons to enroll your pet in pet health insurance is that while they are still young, they are less likely to have pre-existing conditions. Since this is true, getting coverage when your pet is young will save you money in the future. Plus, you can’t get the same coverage if your pet develops a pre-existing condition. In the event that your pet does become ill, you can get covered for the entire amount of the cost of a prescription.
In addition, you can save money on monthly premiums by choosing a higher deductible. This will lower your out-of-pocket costs when unexpected events occur. Most pet health insurance companies honor the money-back guarantee of 30 days in eligible states. This “cooling-off” period allows you to cancel your policy if you find that it’s not for you. After all, you don’t want to have to pay out-of-pocket for treatment that you’re not happy with.
Before buying a pet health insurance policy, be sure to check the BBB’s reputation. Consumers can trust pet insurance companies that have high scores. Also, the process of filing claims should be hassle-free, with few complications. Most insurance companies allow you to file a claim through the veterinarian, while others require you to submit the claims yourself. If you are unsure of the process, ask your veterinarian for feedback.