It’s Smart to Compare Pet Health Insurance Plans… Buying On Price Isn’t The Way To Go. Know What You’re Buying.
It should go without saying but good pet health is important for both pets and their owners so it’s important to compare pet health insurance plans to ensure that you get the greatest value for your dollar. A healthy pet is a happy pet as pet health supports a better quality of life in terms of comfort AND if you have a solid pet health plan, you mitigate any risk to your personal finances. With that said, when you compare pet health insurance plans you gain insight that will better enable you to provide your loved pet with the best care possible. To help cultivate good pet health for your furry friend, choosing the most optimal pet health insurance plan is crucial. Selecting the best plan to meet your pet’s needs and your budget may take some time and this process should include a review of all details and options offered by the plan…. in other words, do read the fine print and take the time to ask your pet loving friends and veterinarian for their opinions.
Common sense tells us that we should always take the time to research and compare pet health insurance plans against each other. When running through a pet health insurance comparison, there are factors to consider outside of price alone. Things such as deductibles, hospitalization, vet services, diagnostic tests, surgeries, covered prescriptions, limits on payouts and criteria for increases in the plan premiums are just a few of the things to analyze when comparing pet health insurance plans. The fine print can sometimes seem overwhelming but give is a wink and make sure you’re not missing anything important!
Deductibles and Percentage of Coverages
Free market allows for competition and variance between competing pet health plans. With that, you can compare pet health plan deductibles and choose the one/s that best match your needs in terms of budget. Deductibles can typically range from $30 to $1,000 and can range from per incident to annual. Not all deductibles are equal however as some may cover some things whereas others do not… As such, it is important to compare pet insurance coverage and policies for hospitalization, surgeries and diagnostic tests. For the same surgery, one plan may cover 90% of the medical expenses but another may only fund 65% of the total medical expense. With that taken in account, the plan that offers 90% coverage can be more expensive on a per month basis but nonetheless may be a better choice to help with high medical bills.
Older Pets and Breed Conditions
When performing your own pet insurance comparison, be sure to consider the breed and age of your pet as these are factors that play into your plan pricing. As you can expect, a plan is priced according to what the insurance company sees as “higher risk” versus “lower risk” and following that logic, certain breeds of dogs that are prone to certain disorders such as hip dysplasia, requiring hip replacement surgery, are going to be more expensive than your healthy, young dog breed that is generally regarded as a breed with no known genetic issues or concerns. Surgeries such as a hip replacement surgery can cost many thousands of dollars depending on your care provide, so when choosing your plan you’ll want to know what types of issues your dog may be more likely to encounter, selecting a plan that best addresses those concerns.
You can easily do a pet insurance comparison on the Internet (“Google it”) and there are many sites that offer an easy-to-compare list that assist in comparing pet insurance plans offered by different companies. With a detailed research and comparison of plans, you can get great coverage at a price that’s affordable… but at the end of the day, the comfort of knowing that you and your pet are protected is priceless. Yes, we realize how cheesy that sounds but we do stand by that. #getpuggedup