5 important things to know before buying pet insurance
These days, pet owners face the dilemma of skyrocketing healthcare expenses for their furry friends. To navigate this challenge, pet owners can opt for pet insurance. This is a helpful way to cover veterinarian bills if your pet gets sick or injured. However, each policy may vary in cost and coverage. Furthermore, not all plans may suit one’s budget or the pet’s needs. Therefore, it is important to consider various aspects before finalizing a policy. Types of insurance plans and coverages Pet insurance plans are usually available in two types – comprehensive and limited-coverage plans. Limited coverage plans only cover emergencies, such as poisoning, bloat, and bites, whereas comprehensive plans offer coverage for various illnesses. Some comprehensive plans may also offer coverage for hereditary diseases and injuries. So, before purchasing a pet insurance policy, one must consider which type is best suited for the pet’s needs. Secondly, one must also check the other coverages that the policy offers. For instance, many pet insurance policies also offer coverage for annual health examinations, vaccinations, and routine dental procedures. The policy for pre-existing conditions Like insurance policies for humans, pet insurance policies also have strict guidelines about pre-existing conditions. It means that if one’s pet has been showing certain signs of injuries, illnesses, or any health conditions before the policy was purchased, that particular condition may not be covered.