Mary had to take her dog into the vet to remove an obstruction. It seems her dog, Rowdy, had swallowed a golf ball when she was out on the links. Her mind raced with emotions and worry, as she had not purchased insurance to take care of the cost. Fortunately, a kind lady offered to pay for Rowdy’s emergency surgery. She told Mary she did not need to pay her back.
In this scenario, Mary was extremely lucky. Usually, real life does not turn out quite so happily. Rowdy recovered and is back to his old self. However, if no kind lady heard about Mary’s plight, the outcome could have been much different. That is why you should review the pet insurance products featured online.
Benefitting Both You and Your Pet
By looking for pet insurance online, you can make a better decision – one that will benefit both you and your pet. By reviewing the features of insurance products, you can get more insurance for the money. For instance, if you file a claim, your vet bill might be $1,000. A top-of-the-line insurer will offer a total benefit rate of 80%. In this case, you may have opted for an excess of $0. By calculating the surgery costs by 80%, you are only responsible for 20% of the cost, or $200.
People worry, after buying pet insurance, that they cannot cancel it easily. That is another feature to consider. Make sure the provider gives you a cooling-off period of 21 days. Within this time slot, you can ask for a total refund of your premium. You can get the whole amount back, provided you have not yet filed a claim.
Selecting an Excess for Your Policy
You should be able to benefit from the policy, or receive any monies paid if you decide to cancel. When reviewing pet cover, take a careful look at all your options. You can usually choose from accident cover, comprehensive cover, or major medical. In all these cases, 80% of the vet’s bills are usually covered. Excess amounts include $0, $100, or $200.
When making a choice for an excess amount, make sure you can afford the out-of-pocket expense if you opt for a $100 or $200 excess amount. Otherwise, just choose $0. Whilst selecting $0 will raise your monthly premium, the monthly instalment will still be reasonable. Do all you can to avoid payment problems. That is the best way to ensure that your pet will receive the best possible care.
Receive Regular Vet Checks
If you want to make sure that your pet receives regular vet checks and is covered for an accident or illness, choose major medical. The full-scale protection can still be purchased at an affordable price. Therefore, review the fine print in the contract.
Know what you are receiving before you receive it. If you have not already done so, take a careful look at the current cover options for pets. You can choose from accident insurance, comprehensive cover, or major medical cover. That way, you can review what exactly each plan provides. All the insurance plans feature 80% of the vet’s bill.
If you have more than one pet, you normally can enjoy a discount, up to 15%, or a 5% discount for each pet added. For instance, adding a second pet, discounts the insurance by 5% or including three pets discounts the policy rate by 10%. Usually, the total discount of 15% for four pets.