What to consider before buying pet insurance

Before you buy a pet policy, make sure you ask questions about cost and coverage, so you don't get stuck with a policy that doesn't meet your needs.

Questions about coverage

  • Can I keep my current vet?
  • Is there a waiting period involved before coverage takes effect?
  • Are routine wellness exams covered?
  • Does the plan cover chronic or recurring conditions?
  • Is neutering or spaying covered?
  • If my pet has a pre-existing or hereditary condition, does the plan cover it?
  • Is prescription drug coverage included?
  • Does the plan cover advertising costs and rewards if my pet is lost or stolen?
  • Does this plan make payouts if my pet is being treated and dies?

Questions to ask about costs

  • Are there discounts for insuring multiple pets?
  • How quickly do you pay claims?
  • Are claims covered annually or by incident?
  • If the coverage is by incident, is there a time limit?
  • Is there a dollar limit for vet office fees?

Updated 07/23/2014

See also

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