By reading pet insurance reviews you'll have a better understanding of an insurer's policy features as well as a good grasp on how quickly you're reimbursed for expenses that are covered. How fast do they respond to claims, what problems do the insured encounter with different carriers, and are there hidden pitfalls that you should know exist for your own protection? You'll also learn how well they manage customer complaints and what caliber of customer support they offer.
Pet Insurance Limits and a Quote Comparison
The marketplace is full of pet insurance carriers, so there's a wide variety to choose from. Insurance is limited by the pet's age, breed and previous illnesses, so you need to get an accurate quote comparison from each of the pet insurance companies you shop before making your final decision. Trupanion, Pets Best, Purina Care and Healthy Paws are just a few of the U.S. pet insurers, but there are many other interesting options worth considering as well.
When you have a policy that reimburses, does it reimburse what was your out-of-pocket expense or is it based on a schedule of recommended fees for service? If it is, you should try to compare that schedule to your vet’s schedule of fees. You'll need to be prepared to receive a smaller reimbursement if the vet’s fees are significantly higher than the recommended fee schedule. Reading pet insurance reviews will often give you insight into how different policies work.
Understand Your Insurance Deductible
Some insurers have an annual deductible, while others require a deductible each time you make a claim. This could be problematic if your pet needs to make several visits to the vet in the same year due to multiple issues. You want to make sure you understand how the deductible works before you buy the coverage. A young pet may only need to see the vet once a year for his annual wellness check-up, but as your furry friend ages, he/she may need more frequent visits to the vet. Under these new circumstances, would paying a deductible every time you visit the vet be affordable or would you prefer a more stable deductible?
You should read pet insurance reviews for many reasons, but primarily to educate yourself about the types of insurance available, the desirable features and the undesirable features. Now that you know what to look for in an insurance company and policy, you'll be better prepared to make a long-term purchasing decision.