Are you looking to get a pet insurance policy for your pet, but not sure exactly how or which company is the right one to choose?
There are some key things that you can learn in this article that will help you identify what it is you need to know and how to confidently choose a policy for you and your pet. One key aspect is using quality pet insurance reviews to help research your company.
How much insurance do I really need?
This is probably the biggest question on everyone’s mind. There two major factors to this that you need to discern for yourself:
1. How much money could you afford to pay comfortably if your pet had a serious medical emergency… we’re talking thousands of dollars serious….?? Whatever it is you can afford, or save up and keep on hand, determine that number then match your chosen deductible to it. As with any insurance policy, the higher your deductible, the lower your premium will be.
2. Are you getting this insurance to cover you in a serious emergency or to help mediate the typical costs associated with your pet?
Here’s my advice. Get as little as you think you’ll need in a worst case scenario. ‘Cause if you don’t, then you’re going to be wasting a lot of money on insurance.. believe me. Do some research your pet’s breed and find out what type of illnesses they may be associated with, long term. Make sure whatever policy you get will end up covering any genetic diseases that your pet’s breed is commonly known for. You don’t want to find that out the hard way.
I just recently bought my 2 year old Yorkshire terrier a policy that covers him for $8000/yr with a deductible of $200 and a 10% co-pay. This is my “OH CRAP!” plan for my puppy. He’s young and seemingly strong as an ox. He’s also mischievous, and curious… brutal combination. Mix that with the undying energy levels of a Yorkie and it’s a recipe for trouble.
For what ended up being about $21/month, I have a plan that I can rely on to help me out in those brutal emergency situations. I won’t have to think about my pocket book if he needs a $2500 surgery. He’ll get it.
What I didn’t waste my money on was the extended packages or optional coverages. Those are where you do waste your money. Don’t get caught wasting that cash on what you think will lessen the overall costs of owning a pet for you. They won’t.
My suggestion is to always, whenever possible, use the K.I.S.S. method. “Keep it simple, stupid.”
Pet Insurance Reviews
0ne key tool I used to get information on any of the companies I was researching was by using pet insurance reviews. These can be found all over the internet, and typically they are written by real people, who’ve had real experiences with any of the major pet insurers in the US today.
WORD OF WARNING!
As with any public content, there are no controls to authenticate the review you are reading, so keep sharp… be smart… don’t take anything at face value and really try to read as many reviews as you can so that the law of averages can work in your favour.
If you read some unbelievable glowing review a couple times that always seems to use the same language (as spammers usually do because they’re lazy), but everywhere else you read terrible reviews, you can rest assured that the latter are probably true and the former are marketing ploys.
As with anything, become as educated as you can stand about insurance for your pet, because in the long run, you could end up in a bad situation, and unfortunately, once it’s happened, it’s already too late.