How to Pick Pet Insurance

If you're thinking about getting pet insurance, there are a few things you should consider to make sure you pick the right plan for your furry friend.

What Does Pet Insurance Cover?

1. Accident and illness coverage: This type of policy covers accidents, such as if your pet is hit by a car, and illnesses, such as cancer or diabetes.

2. Wellness coverage: This type of policy covers routine care, such as checkups and vaccinations.

3. Emergency coverage: This type of policy covers unexpected expenses, such as surgery or hospitalization.

How Much Does Pet Insurance Cost?

1. **The type of coverage you choose:** Accident and illness coverage is typically more expensive than wellness coverage.

2. **Your pet's age and breed:** Older pets and certain breeds are more likely to have health problems, which can drive up the cost of insurance.

3. **Your deductible:** The higher your deductible, the lower your monthly premium will be.

What Should You Look for in a Pet Insurance Policy?

1. **Coverage limits:** Some policies have limits on the amount of money they will pay out for each claim or over a lifetime.

2. **Reimbursement rates:** Some policies only reimburse you for a percentage of your covered expenses.

3. **Waiting periods:** Some policies have waiting periods before coverage begins, typically 14 days for accidents and 30 days for illnesses.

Should You Get Pet Insurance?

1. **If you can afford it:** Pet insurance can be expensive, but it can provide you with peace of mind knowing that you can afford to cover your pet's unexpected medical expenses.

2. **If your pet is at risk for health problems:** If your pet is an older pet or a breed that is prone to health problems, pet insurance can be a good way to protect yourself from high veterinary bills.

3. **If you want to be prepared for the unexpected:** Even if your pet is young and healthy, accidents can happen. Pet insurance can help you cover the costs of unexpected medical expenses, such as surgery or hospitalization.