Friday, July 9, 2010

Choosing Pet Insurance


A frequently asked question on ours and other forums is whether it makes sense to purchase pet insurance for your Cavalier. That's a personal choice for each pet owner. There are a variety of different plans available on the market. The plans generally involve you paying your vet directly and having your vet submit a claim to the insurance company on your behalf. The exclusion and coverage varies dramatically based on carrier, so you may wish to compare providers to find the plan that best suits your needs and the reason you are seeking pet insurances. 


You may wish to consider:
  • Does the company exclude hereditary conditions?
  • Does the plan cover you rpet for life or just for the 12 month policy? (Will an ongoing condition be considered pre-existing in year 2?).
  • Does the policy have a dollar limit per condition? This could become an issue with choronic, ongoing conditions. This means that over your pet's lifetime the policy will only pay up to a set figure per condition regardless of the total cost of treatment. Should your pet's treatment exceed the limit for that condition the company will simply stop paying claims.
  • Will the company insure my older pet? (Some companies will not insure dogs over a certain age).
The link below contains information and reviews on the major pet insurance companies. By completing the form, you may receive quotes and/or receive email solicitations from a number of companies. If you don't wish to be contacted, it's also just a great resource for investigating your insurance options.


http://www.petinsurancereview.com/



We recommend Pet Plan. Several members of this board have had positive experiences with Pet Plan. They even cover dental cleanings (where extractions are required). This is generally not covered by most pet insurance plans. They cover hereditary conditions and will insure older pets. To receive a quote from Pet Plan, visit http://www.gopetplan.com.


 

Originally posted in the Cavalier Corner Message Board

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