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Animal Insurance Checklist: How to Pick the Right Animal Insurance

Insurance
UPDATED: January 3, 2019

Animal insurance is confusing and a daunting process but it needs to be done for your beloved pet. Remember that the sooner your pet is protected, the sooner you can put your mind at ease.

To help you settle, here’s how to pick the right animal insurance:

Determine the health plan requirements

It is important that you determine if your pet qualifies for coverage. Usually, the health plan requirements include the following:

• Age restrictions: before knowing the nitty-gritty of animal insurance, it is imperative to check the age restrictions first. Remember that every plan has a minimum age requirement. In most insurance, it will begin at 8 weeks. As soon as you know the minimum age requirement, you need to check the upper age limits if you have an older pet.

• Exclusion of breed: while animal insurance plans do not exclude certain breeds, they sometimes limit the coverage based on specific conditions. For instance, ACL surgery and hip dysplasia are two of the most common restrictions for dog medical plans.

• Pre-existing conditions: most insurance plans do not cover pre-existing conditions. Pre-existing conditions mean any medical condition that shows before the date the policy goes into effect.

Compare pet insurance policies

Compare pet insurance policies

You should compare insurance policies so you can make an informed decision at the end of the day. The best thing to do is to get multiple quotes from highly rated insurers. You can start with Djurförsäkringen.se.

The prices will vary depending on the breed, medical history, location and age of the animal. When you check the website of an insurer, you can usually see a “get a quote” button. Depending on the insurer, you have the option to customise the plan and select from different options.

•Monthly premiums: this will depend on what you can afford. The prudent thing to do is to figure out how much money you can spare every month.

•Deductibles: deductible refers to the amount that you have to pay before the policy takes effect. You must know that there are 2 types of deductibles – lifetime and annual. Lifetime is better if the pet is diagnosed with a chronic condition like arthritis and allergies. Annual is good for pets that need to go to the vet for different reasons throughout the year.

•Claim reimbursement amounts: when your pet gets sick or when an accident happens, you will file a claim with the insurance company. The company will determine if it is covered by your plan and will pay back the money you spent.

Find out what is covered

After comparing pet insurance policies, you need to find out what is covered. For this, you need to do your research so you can find out what type of treatments is covered.

Conduct research

Research is crucial as it can give you an overall picture of the insurance policy. This can help you narrow down your final picks. If you must, ask questions like the amount of time they repay claims, customer service, and money-back guarantee.

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