Pet Health Insurance 101: Your Policy Shopping Checklist

7. Requirements. Companies often require a minimum amount of information from you every year if your pet is to remain insured. Others may require that you see a veterinarian annually or adhere to a certain vaccine schedule. Know what your prospective policy asks of you.

8. Waiting periods. Most pet health insurance plans require that you wait a set amount of time before coverage begins. Others will cover only certain kinds of conditions and have you wait longer before others are covered. Still others will waive the waiting periods with a veterinary examination (for example, examinations for orthopedic or cardiac conditions). You may pay a little more for a policy that promises to cover your pet right away.

9. Customer satisfaction ratings.It’s always worth taking a look atonline satisfaction ratings, but remember that those with aperceived ax to grind often get their say in ways that aren’t necessarily helpful to anyone.

I know it might seem like a lot of information to process, but don’t worry; an hour’s worth of work is all it takes for most pet owners to make sound, informed decisions about pet health insurance. If you love your pets, it’s worth it. And remember that your veterinarian is often happy to help you make up your mind.

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