1. Read the fine print. What exactly is covered and not covered in the plan?
2. Some plans have high deductibles. Shop around for one that offers the same type of coverage for a lower deductible.
3. Does the plan cover routine checkup and preventive care?
4. Some plans do not cover a dog once he reaches a certain age. Find out if the one you are looking at has an age limitation.
5. Find out if the insurance company covers any pre-existing health conditions. This is very important because should your dog become ill or have an injury that stemmed from a previous condition, and the insurance company does not cover pre-existing health problems, you may be paying the expense out of your pocket.
6. Ask how many years the company has been in business and how long they have offered insurance plans that cover dogs. A fairly new company may not have the experience or the coverage that an older, more experienced service provider would.
7. Ask what the insurance policy does NOT include, such as checkups, heartworm tests, dental care, worms, etc. Obviously these items are important so you know what to expect to pay if a particular health condition with your dog springs up.
8. Find out if the insurance for your dog will cover bone scans, medications, reconstructive surgery, and CAT scans. If your dog gets seriously injured and is suspected of having a major condition as a result from the injury, he may need the above mentioned procedures and tests. These can be quite expensive if the insurance plan does not include them in the service.
9. And of course, be sure to know what your deductible will be. In addition, ask if there is a cap on any specific type of illness or accidents your dog may possibly be in.
No comments:
Post a Comment