7 Tips to get a better deal on dog insurance
Pets quickly become part of your family. They require love, care and affection, which helps us form strong relationships with them quickly. However, sometimes pets also get sick and feel uncomfortable, through no fault of their own. Most veterinarians now recommend pet insurance to their clients, not to make a profit, but because it means we have many more options for treatment in most cases. Pet insurance may seem expensive at first, but it will help ease the cost of care when your pet needs it most. By paying lower insurance costs on a regular basis, you’ll reduce the likelihood of having to pay large, sudden vet bills. But… are you getting the best insurance deals?
1 – Make sure you are getting the “best” insurance for you…
You need to think about the service you want from your insurance. Premium insurance plans that are more likely to pay more frequently, cover multiple conditions in a year, or pay for the same condition multiple times, will have higher deductibles and monthly payments. Make sure the things you want covered by your policy are covered. Then compare the different companies that offer to cover those specific items!
2 – Use comparison sites
These sites are a great way to see what different companies offer insurance, as well as their cost and what they cover. You can capture the qualities you are looking for in an insurance policy and make sure they are covered. Comparison sites are great for highlighting key facts and figures, which makes for a quick comparison. But you don’t see the fine print. We encourage you to do a lot of research before switching or choosing your policy. There’s no point in choosing the cheapest policy if it doesn’t pay for the cases you want to make a claim on.
3 – Consider consolidating various personal items on one common insurance policy
Believe it or not, this can lower the cost of your pet insurance. This can mean creating a joint pet and home insurance policy, or purchasing two different policies from the same company if they offer a specific discount. Many well-known companies can offer these bundles.
4 – Promotions and offers change daily
It’s essential that you make sure you’re always covered for your pets’ health – you never, ever know when they might need it. When changing insurance policies, make sure you don’t get caught in “warm-up” periods. These are short periods of time when you pay for the insurance, but the insurance does not pay for any claims that occur during that time.
5 – Ask your vets if they have free trials with some insurance companies…
Many insurance companies offer a free trial period after a health exam by your vet. After this free period, you can purchase the policy if you wish. However, during the free trial period, if you find another policy that suits you better, you can exchange it.
6 – Don’t just accept the renewal fee, question it
See if your insurance company can give you a better deal? Insurance companies want to keep their customers. If you can show your insurance company that they have offered you a better deal elsewhere, they may offer you a better counter offer.
7 – Consider your options for older pets – BEFORE they start to age!
As your pet ages, you should expect your insurance premium to increase. This is because older pets are much more likely to suffer from illnesses. If you are concerned about this gradual increase in price as your pet ages, you may want to consider a lifetime, flat rate policy. These policies may seem more expensive than others when your pet is young, but the premium should remain the same throughout your pet’s life, unlike other policies that increase gradually. You should be very honest when informing an insurance company of your pet’s current health status. Insurance companies will be able to view your pet’s health records from your veterinary professionals if you wish to make a claim, which means they will receive your pet’s full health history.
Your pet insurance will also increase as your pet accumulates different conditions. This covers the cost of monthly medications, prescription checks, and regular check-ups to ensure that the medications are not negatively impacting the functioning of other organs.