Finding the best pet insurance

Which pet insurance is best?

Finding the best pet insurance for the members of your human family can be challenging at the least. Although in Europe and the United States pet insurance has been popular for decades, the concept is relatively new to Australia. Where do you start to find the right insurance policy for you and your pets? Does it make a difference if my dog is a Puggle or a Labradoodle? One of the best ways to tackle this issue is to ask the same sort of questions you would ask about an insurance policy for your family. What types of procedures and illnesses does the policy cover? Does the policy allow for rebates on preventative care? Will any pre-existing conditions or illness be covered or are there particular rules around some illnesses? What is the maximum coverage in critical care situations? What is the monthly premium and is this required for the year or can you pay by the month? What is the percentage of the cost of care that is covered?

Black and tan Puggle

What type cover is needed for my dog?

To find the best pet insurance make a list of all the questions that you can think of relating to the policy as well as the questions already mentioned above. Make a second list that details your dog’s needs as well as their medical history. This type of background work will make it much easier to spot a policy that will work best for you and eliminate any policies that just won’t cover what you and your dog needs. For example, if your dog suffers from canine diabetes, you will know immediately that a policy that has exclusions for this condition is not the policy for you. Attention to detail is the key here to help you get the policy that is best suited to your dog and your budget.

Ask your friends

Listen to the recommendations of your vet and other dog owners when looking for the best pet insurance policy. Your friends that are dog owners with insured dogs will have distinct and honest opinion about their insurance policies. Ask around to your friends or even people at the dog park for testimonials about pet insurance companies they use. Your vet will also have experience dealing with a variety of insurance providers and will have distinct opinions about what they cover and how good they are at paying up when a problem arises. Once you have narrowed your choices down to a couple, speak to your vet about the companies and policies that you are considering and get their opinion before making the final decision.

A little research combined with consultation with your vet will be enough to help you choose the best pet insurance policy for your dog. The rule of thumb is that you want the insurance to slightly more than what you need.  An insurance policy that covers your pet’s health needs, but does not charge you for services and extras that you don’t really need should be your goal.

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