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How To Choose The Best Pet Insurance For Your Cat Or Dog

Feb 26, 2008
With so many options available, looking for the very best pet insurance for your furry friend can be confusing. In order to find the best pet insurance and value for money means that you are going to have research several pet insurance companies and compare their policies side-by-side. This isn't necessarily a difficult process as there are pet insurance websites available that can help you to quickly and easily compare pet insurance companies. However, before you start your research you'll need to know a few things first.

What To Look For in the Best Pet Insurance

When searching for pet insurance there are a few things you will need to look out for. First, is whether you want a policy that will pay your vet directly or reimburses you after you have paid your fees to your vet. Both of these types of policies are available but pet insurance companies typically offer more policies where you pay the vet directly and then apply for a rebate.

If you want a policy that will pay you vet directly you will need to ensure that you choose an insurer that your veterinarian accepts. This is because the vet will have a signed deal with the insurance company to charge a particular price that won't leave the customers out of pocket. Therefore, it is a good idea to talk to your vet about which insurance companies he or she is with. You should to also see if there are other vets in your local area which will accept the same company just in case your vet is unavailable in an emergency.

As you for the best pet insurance you will need to decide whether your policy should cover just accidents or both accidents and illnesses. Accident only policies are cheaper but won't cover you if your pet becomes ill from a disease such as arthritis, diabetes or cancer. Considering that these disease are typically long term and expensive things to treat you need to decide if saving money now will be worth it in the long run.

The best pet insurance policies come with some added benefits. These include covering the cost for a reward and advertising if your pet becomes lost or stolen. More so, they can also cover you for the damage that your pet does to another person or their property. This is called third party liability and not many people know how handy this can be. For example, if your pet is involved in an accident with a car not only will you have to pay for your pets vet bills but you may also be liable to pay for the damage to the car. Third party liability in situations such as this are a godsend as the bills can reach in to the millions (yes, millions) of dollars.

As you can see, there is a little bit more to finding the best pet insurance coverage than many people realize. However, it doesn't have to be a difficult process. Simply compare several companies side by side and ensure that you are fully covered for the circumstances that you are most concerned about.
About the Author
John Murphy is the webmaster of Good Pet Insurance, which provides free information on pet insurance and pet insurance policies. You may also be interested in his pet insurance blog .
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