As a pet owner, one of the most responsible things you can—and should—do is get pet insurance.
They are an integral part of your family and you want to make sure that you have the ability to help your pet when the unexpected occurs. But more so than that, you want to have the ability to, get them assessed for wellness checks and proactively keep them healthy.
One of the worst-case scenarios that could happen as a pet owner is having to choose between money and your pet’s wellbeing. Luckily, with incredible options from providers like pumpkin pet insurance, your pet can live a healthy life and you can be less stressed about finances. It is a win-win scenario for all!
But when it comes to choosing pet insurance, there are a few items that you will want to consider first. To help with this, we’ve created a list of all the things for you to assess before committing to the best pet insurance for your furry friend.
1. Compare your options
You will want to have a pro’s and con’s list of the various pet insurance options out there. Not all pet owners and pet situations are the same, so what might be best for one may not be the right choice for the other. Take the time to research the details of the various policy options. See if you will be getting the best reimbursement offers, premium plans and what add-ons are not included upfront. This will help you narrow it down and have a better understanding of what your pet insurance will offer you.
2. Research the reviews
Customer reviews are everything and are one of the most important ways to get an honest snapshot of a policy provider. You will want to make sure that the majority of reviews are satisfied with their pet insurance and that they are truly getting their money’s worth. While there will always be negative reviews associated with every brand, you want to see more positive than negative on a holistic level. And don’t just consider the reviews online. Also, ask your friends and other pet owners what options they have gone with and for their recommendations.
3. Understand your own pet’s health
It is important to select pet insurance that covers what your pet will need. If they have any underlying conditions or will need extra treatments or special care, you will want to find a pet insurance policy that covers that specifically. In general, the best pet insurance options will allow you to customize the details of your policy while also ensuring they will be able to get the best health care when they are sick, hurt and healthy.
4. Ensure the reimbursement levels are worth it
Some of the best pet insurance policies will reimburse you for 90% of vet bills, regardless of their age or conditions. This is super important because it means that you will have peace of mind knowing you will always be able to afford the health care your pet needs. In addition to the reimbursement, you will also want to review the deductible options and annual limits.
5. Sign them up when they are young
As is the same with health insurance for humans, pet insurance premiums will get more expensive if you sign your pet up for insurance after they already have a health condition. That is why all pet owners should get insurance the day they bring them into the household, so you can have peace of mind that they will be covered for the rest of their life. Plus, it will end up saving you more money in the long run and enable you to take a proactive approach to their health.
6. Make sure it is an easy customer experience
You will want to check first that the pet insurance you get is easy to use and simple for customers. The best pet insurance companies will have a straightforward online portal where you can easily lodge your claims so that you can get reimbursed as quickly as possible. You should be able to do it in a matter of minutes so you can get back to spending time with your pet.
Getting pet insurance for your new member of the household is something that every pet owner should heavily consider, as the peace of mind and benefits hugely outweigh the risks of what could happen if you don’t. These six tips will help you confidently select the pet insurance provider that is right for you.
