1. Don’t put it off! The number one reason people site for not purchasing a pet health insurance policy is that “didn’t get around to it.” Oftentimes, pet parents will wait until their pet is already injured or ailing before looking into pet insurance. The truth is, the best time to protect your pet is now. For young, healthy pets, insuring them before any problems arise ensures that any accidents, illnesses and injuries will be covered, with no concern about pre-existing conditions (not to mention, young pets are statistically 2.5 times more likely to have an unexpected visit to the vet, according to claims data from Petplan pet insurance).
2. Lowest premium doesn’t mean best value. While some plans may have a lower monthly premium than others, make sure that the coverage it affords you is as extensive as your pet may need. Will it cover chronic conditions for the life of your pet, or only for the first year? Will it cover any diagnostics or treatments your vet recommends, like MRIs, chemotherapy or hip replacement surgery? You might be paying less each month, but you could also be left high and dry when faced with a big bill.
3. Beware of policies that don’t offer full coverage as standard. Some companies may claim to cover things like hereditary conditions or cancer, but when you read the fine print, you find that they are not included in your standard plan. In many cases, you’ll need to purchase additional coverage, often after a certain waiting period. When comparing pet insurance providers, make sure that your monthly premium includes full coverage for hereditary conditions as standard – otherwise, you could be lacking in coverage you may need later.
4. Read your Terms and Conditions. The Terms and Conditions are your user’s guide to your pet insurance policy. They clearly lay out what is and is not covered by your policy, explain any waiting periods, and define certain terms such as “pre-existing condition.” Some pet insurers, like Petplan Pet Insurance, offer complimentary underwriting during the first 30 days of the policy, helping customers know exactly what will and will not be covered under the policy at the point of claim.
5. Our wellness plan is not insurance. While we offer a wellness plan to help with the costs for regular, known veterinary expenses like checkup visits, vaccines and monthly preventatives, it doesn’t cover unexpected vet visit for things such as chronic and acute conditions that can quickly add up to thousands of dollars in vet bills. Pet insurance is an excellent complement to our wellness plan to pick up coverage for new illnesses, accidents and injuries. We strongly suggest you look into pet insurance so that your pet is covered from nose to toes—in sickness and in health!
Did you know that The Cat Doctor has been nominated by Petplan Pet Insurance
plan for their 2018 Petplan veterinary awards “Practice of the Year”? Our very own Monique Manns was nominated for “Practice Manager of the Year” as well!
Please follow the link and vote for us today!