Here are some things to consider when choosing a pet insurance plan:
- How much you’ll be paying each month and if it fits within your budget
- Your deductible and what treatments/procedures apply to help you reach that deductible
- Whether you want preventive care covered in your plan or just unexpected medical care
- How you’ll be reimbursed, and for how much
- What conditions are covered, and if there are limitations such as pre-existing, congenital, or hereditary conditions
- What the plan’s limitations are and if they have a cap on how much you can be reimbursed within a year
Purchasing pet insurance is a big decision, but it’s often an important one that can help you give the best care to your pet in the long run. The best time to enroll your pet in a plan is when they are young and healthy. You’ll often pay lower premiums on a healthy pet, and you won’t have to worry about pre-existing conditions not being covered.
However, even if your pet is a little older, pet insurance may still be one of the best decisions you can make for them. As pets age, they’re more likely to develop unexpected health conditions and if they’re enrolled in a pet insurance plan before those conditions develop, you’re more likely to be covered. Plus, emergency cases can happen at any age, and being covered for emergency care can save you thousands of dollars if an emergency does occur.