Time Plus News

Breaking News, Latest News, World News, Headlines and Videos

How to Buy Pet Insurance (and Save Money)

There are multiple reliable ways to find cost-effective pet insurance plans.

Getty Images

When you own a pet, you quickly learn to add pet expenses (such as trips to the vet, food, and more) to your budget. For many dog ​​and cat owners, that means adding menstruation Pet insurance costs.

There are several Reasons to insure your pet, but peace of mind that your pet is safe and potential long-term savings tops the list. To actually save money with pet insurance, however, it first helps to know how to buy.

If you’re in the market for pet insurance, get started now by getting a free price quote.

How to buy pet insurance

The process of buying pet insurance is simple. Most of the time you can complete the entire application online. You just need to fill in your personal information and some basic details about your pet (age, weight, breed, etc.) on a pet insurance provider’s website and then get an estimated cost. You create an account with the provider, then choose a plan, the type of coverage you want and confirm

However, before you make any official commitments, follow these four steps to save yourself time and money.

Shop and compare providers
Get started early
Get medical advice
Review your coverage options

Shop and compare providers

Before signing on the dotted line, make sure you review multiple pet insurance companies to see what they offer (compare at least three). This will help you get a baseline understanding of the coverage plan and costs. You won’t overpay when you know the industry standards.

Just make sure you get an apples-to-apples comparison so you know exactly what to expect. For example, if you get a quote for a 2-year-old, 8-pound cat, get a quote from a second and third provider for the same age, weight and breed type. This will ensure that you have an accurate estimate to evaluate.

Get a price quote from Pet Insurer Spot here or use the table below to compare some of the top providers

Get started early

It comes with purchase Pet insurance It pays to start early. Premiums are cheapest when pet young and healthy. As pets age and develop health problems, their prices continue to rise.

You’ll want to purchase insurance before animal health concerns become more prevalent. significant Pre-existing medical conditions can severely limit your coverage and potentially disqualify you entirely.

So sign up with a provider while your cat or dog is young and healthy or it will be more expensive in the future.

Get medical advice

your vet Proficient in various subjects Breeding As with cats and dogs, they’re dialed in on any health issues your pet has (or is prone to). Talk to them and help them develop a safety plan. They can help structure your pet insurance so you only pay for what you need and not what you don’t. This will both help you save money and ensure that the insurance you take out is worth it.

Review your coverage options

An accident-only policy can be a cost-effective option. It will only cover your pet in an emergency (like a broken bone) or if they swallow something they shouldn’t. Accordingly, coverage will be less expensive than a more comprehensive policy. But maybe that’s what you need. For decent protection, at a reasonable rate, it can go.

be sure Don’t overpay when buying pet insurance. Also be aware of certain cat and dog breeds. Some breeds are significantly more expensive to insure than others. understand which Dog breeds And cat breeds Cheaper to insure.

Not sure what kind of pet insurance rates your dog or cat qualifies for? Concerned about what it will cost? Get a free pet insurance quote here and find out!

MoneyWatch: Managing Your Money

more and more

Source link