As veterinary medicine becomes more technological sound and more sophisticated, the price of care rises due to the higher prices associated with the facilities, the equipment and training required for vets to supply these higher quality services to the dogs and cats they love. For some, the price of care may cause some stress and the costs can sometimes be unclear. Pet insurance is the key in helping the pet owner, by canceling some or the majority of the cost of treatment. The debate should not be if you need pet insurance but what kind of pet insurance do you need.

Each pet is different and each vet will work with different insurance options and coverages so there is no magic formula for which insurance is right for your pet and you. We recommend that you speak to your veterinarian if you are contemplating pet insurance and do some investigation on your options. 

Here are a few fundamental factors: as part of the relationship between your vet and your pet, your veterinarian should be tracking the well-being of your pet regardless of the insurance provider.

The insurance carrier must obviously spell out to you the particulars, including exceptions and the limits, of coverage for routine or health care as well as crisis treatments and illnesses that need extensive attention.

• Discover if you make any claims or how your rates will be raised as your pet ages.
• See if you need to add on options to supply any special coverage you may prefer.
• You must also understand how your coverage handles pre existing issues.
• You should be permitted to select the veterinarian that will provide veterinarian care for your pet.

Pet insurance plans are usually compensation strategies – the bills are paid by you up front and are reimbursed by the insurance carrier. Ask your veterinarian about payment alternatives that may work for you just in case you need to make arrangements if you are worried about covering the expenses up front.