5 Things to Know Before Buying Pet Insurance

Insuring your furry friend safeguards you from large vet bills. But with various policy options, it helps going in informed. Consider these key factors when choosing pet insurance for peace of mind.

Evaluate Your Pet’s Health History

Most plans don’t cover pre-existing conditions. Examine if your pet has any current or chronic health issues that may be excluded. Enrolling pets early before illnesses develop maximizes coverage.

Understand Plan Coverage Exclusions

Many insurers don’t cover exam fees, dental care, spay/neuter procedures, grooming, or elective/cosmetic treatments. Review exclusions closely and select added coverage like dental if desired.

Compare Reimbursement Options

Plans may reimburse at 70%, 80% or 90% of the vet bill amount after your deductible. Higher reimbursement percentages provide more coverage but cost more.

Factor in Deductibles

Per-incident deductibles ranging from $100-$500 must be paid out of pocket before coverage kicks in. Higher deductibles equal lower premiums. Consider your pet’s breed risk factors.

Look Into Maximum Benefits

Most policies have annual caps on reimbursements per pet, often ranging $5,000-$20,000. Maximum benefits reset yearly. Choose limits wisely based on breed and age.

Read Up on Enrollment Requirements

Many insurers require a vet exam shortly before enrollment or pets may be ineligible. Research waiting periods for illnesses coverage if recently adopted.

Compare Insurer Reviews and Ratings

Top providers like ASPCA, Nationwide, Trupanion and more can be researched on Sulekha. Weigh costs, customer satisfaction, ease of claims and reimbursement time.

Secure Your Ideal Plan with Sulekha

On the Sulekha Insurance platform, easily compare pet insurers, connect with top local agents, and find the optimal plan for your beloved companion!

Get ahead of pet care costs – learn what to look for when choosing the right coverage now. Protect your fur baby's health and your savings with reliable pet insurance.