1. Decide what you need to cover.
When you compare pet insurance, it’s easy to get confused with so many benefits. It’s best to have an idea of what type of coverage is most important to you, based on your pet’s needs. Talk to your vet, and then ask yourself: How long should my coverage last? What costs am I most hoping to cover? What might my pet be at risk for?
2. Decide how you want to pay.
Something you should keep in mind in your pet insurance comparison is where you want to pay more. Remember that low monthly premiums usually mean higher deductibles or larger co payments. Based on your answers to question 1, you should be able to decide what is right for you.
3. Check to make sure it’s worth the money.
The American Veterinary Medical Association estimates that in 2007, Americans spent an average of $356 per year on dogs and $190 per year on cats for pet care. Does this sound about right? If so, is it worth the investment?
4. Fine tune the offer.
You should have a big picture view of what kind of coverage you need, but don’t be afraid to shop around. Key things to look for in pet insurance comparison are wellness coverage, dental, prescription medicine, and other convenience coverage.
5. Be clear on the date of coverage.
Make sure you are clear exactly when your coverage begins!