The Do’s and Don’ts of Pet Insurance
The growing awareness amongst pet owners regarding the importance of pet insurance has resulted in quite a few companies which are now handing out pet insurance. Pet insurance can help you stay covered during instances like unforeseen illnesses, mounting pet bills and others pet related issues.
The question is how to decide which insurance company is actually worth the time and effort. The following is a list of things you need to keep in mind when selecting insurance for your cats, dogs, and other pets.
Make sure you get insurance during the good times. This means that when you are financially well off and are able to care for your pet, getting insurance at that time is a smart move. With your resources intact you can get a policy which would help you if times do tend to get tough in the long run.
Whenever you fill out the policy application, do not hide any details. If our cats, dogs and birds suffer from any preexisting illnesses, make sure you mention those. Failure to tell the truth can your policy null and void if the chance arises. Why take a risk. Honesty is the best policy when it comes to filling out a pet insurance.
There are certain policies from which a specific type of pet could be excluded. Most policies cover cats and dogs but then again certain policies might not be in favor for working dogs or dangerous dogs. Make sure you check out whether your pets are considered in the domestic breeds.
Getting insurance for your pets when they are younger and healthier is always a better idea. That’s because there are several companies which have an age limit for pet breeds and won’t accept pets over a certain age. Though people get their elderly pets insured as well but this would result in higher premiums.
Certain caveats and clauses can render your policy invalid. These include yearly health checkups, vaccinations against diseases. Failure to do all these on the specific time can make your policy become null and void. So make sure you keep all these clauses in mind to ensure the best support from your policy when the need arises. Check out Pet Plan's pet business insurance for professional level pet protection.
Routine treatments are not covered under the insurance policy. Keep this in mind to avoid any problems. Vaccinations and booster doses are to be paid for by owners only. The idea is to carry out the right kind of preventive care so that any problems can be avoided later on. It is only when your pet horse is actually very sick or would need expensive treatments that your equine/horse insurance can help you.
Always be open about your own personal details. If there has been a change in the location where you live, do mention it in the policy form to avoid problems.
A contingency fund for any uninsured costs, you may at times have to pay the excess fees which exceeds the amount of fees covered by pet insurance.