Picking the right insurance for your pet can be stressful. There are seemingly endless plans and providers to look through, and it can be difficult to really tell the difference between one plan and another. Here are a few things to keep in mind to help you to narrow down your search and find the right plan to meet your needs.

Assess Your Pet’s Level of Health Risk

It is a good idea to look into what conditions your pet is likely to have over time (certain dog breeds, for example, are prone to hip dysplasia as they age). This will give you a sense of the kind of health coverage you are going to need in the future, and there is a ton of information available on the web to get you started. You’ll also want to consider any pre-existing conditions your pet has. If vet visits are not already a part of your yearly routine, pay a vet a visit to assess the overall health of your pet.

Decide What You Will Really Need

Based on the health risk of your pet, will you need a plan that will cover surgery? If so, you might want one that has a higher deductible, but also a higher dollar amount of coverage. If you think your pet’s risk is relatively low, then you may opt for a plan that has a lower deductible and monthly rate, with relatively limited coverage. If your pet is accident-prone, or has a history of eating tube socks, you might also look into accident coverage.  It is alright to be conservative with coverage as long as you have assessed your pet’s health risk with a professional, but accident coverage would be a lifesaver if you wound up needing it.

Do Your Homework

You are going to have to start looking into insurance providers as a whole to narrow your search. A quick way to get started is to find a pet insurance comparison chart on the web that lays insurance providers side-by-side and outlines what different providers generally cover—and what they don’t.

Once you decide to look into a specific provider (or two), know that there will be different polices available there too. But at least you will have eliminated a few providers in this preliminary search. Now, you’ll be able to match a plan to your needs.

Do It Quick, If You Can

Most plans will not cover pre-existing conditions your pet has prior to becoming insured. You’ll want to get him/her covered as soon as possible to get the full benefits of your coverage. Of course you will want to take the time to make an informed decision, but make this a priority.

More information available here.

Cindy Romero is an animal lover from North Carolina. She writes for PetPremium when she isn’t playing fetch with her two dogs or trying to keep her cat off of the kitchen counters. 

Pet health insurance is considered a necessity by some people and a whim by others. The truth is that in the situation when millions of Americans have no health insurance coverage, it sounds paradoxical that some would go to the length of insuring their pets. Nevertheless, in many cases, pet health insurance makes the only chance for medical treatment and even survival if the animal suffers from some severe problem.

Things have changed a lot in the industry ever since the costs of pet health insurance have stopped being so prohibitive. People can now choose various types of pet health insurance covering disease control and treatment, preventive care, emergency interventions and even surgery. The pet health insurance system is similar to that of human policies: there are annual premiums, coverage plans and deductibles.

You can create a pet health insurance when your animal friend is between six or eight weeks of age, and there are some age limits. Some have a 8 year limit while others can extend up to 27 years of age. Normally, if there has been coverage before the age of 8, the animal will have coverage after this age too. Animals with terminal diseases and current conditions may not be acceptable for pet health insurance. In certain situations, the insurer may provide coverage if the pet’s condition is controlled and stable.

The owner normally chooses from several packages depending on the type of animal and its specificity. It is based on such ideas as well as on the package content that the monthly or yearly premiums are designed. From the services covered by a regular policy we ought to mention vaccinations, preventive medication, annual checkups, routine care procedures and even spray surgeries. There are also pet health insurance policies for illness and accident. There is no waiting period for the coverage in accident claims.

If you can’t afford to pay for pet health insurance, you can take care of your pet’s health by working with humanitarian associations and non-profit organizations that offer health checkups and even emergency assistance. You can make 25% savings on veterinarian services if you work with programs like Pet Assure. They also provide other pet services and supplies for which you can even get a 50% discount. This could be a solution to take into consideration!