Today, veterinary medicine is more technologically advanced than ever and is sometimes human-grade, meaning the MRI machine used on your pets could be the same one used on you. That advancement of equipment, facilities, and training required to provide these higher-quality services, also comes with a higher price tag and if you don’t have pet insurance, it could become a financial burden that you are not prepared for.

Fortunately, there are many options for you to choose from and finding the right one for you and your furry loved one/s, is what we are here for.

Here are some basic considerations to keep in mind as you search for the right insurance provider:

• Make sure the insurance provider clearly provides the details, including the limitations and exclusions, of coverage for routine and/or wellness care as well as emergency treatments and conditions that require extensive care. Find out how your premiums will increase as your pet ages or if you make any claims.
• All of the charges, including co-pays, deductibles, add-on charges and other fees, should be clearly explained to you so you fully understand the policy and its limitations.
• Look for add-on options to provide any specific coverage (e.g., dental care, travel insurance, etc.) you may want.
• How do they define and handle pre-existing conditions (diseases or conditions your pet already has – or has had – prior to purchasing the insurance plan).
• Is your specific pet or breed of pet covered by that insurance provider? Keep in mind some breeds are considered “high risk.”
• Do they provide discounts for multiple pets?
• Are there In/Out of Network veterinarians?
• What does the claim process look like? How long will your reimbursement take? Pet insurance plans are generally reimbursement plans, meaning you pay the bills up front and are reimbursed by the insurance provider.