5 Steps to Finding The Best Pet Insurance

Step #1 — Pick a Reimbursement


Pet insurance policies reimburse you based on either a percentage of your total vet bill or based on a fixed amount that is determined by a benefit schedule.


There are Two Types of Reimbursements


  • Percentage of vet bill — Reimbursement is based on the total cost of treatment. You will receive a percentage of the amount that you have paid to your vet.


  • Fixed Benefit schedule — Reimbursement is based on a set schedule that pays up to a specific amount for each condition, regardless of how much you have paid.




Reimbursement Tips


  • Review what costs are covered with percentage-based plans.


  • Some companies may exclude things like routine vet exam fees. Those exclusions will limit your overall reimbursement.



Step #2 — Learn What’s Covered and What’s Not



Compare policy options carefully to ensure that you fully understand the coverage that they provide as well as any potential factors that may change your coverage in the future.



 Coverage Tips


  • Some companies may have clauses that change your levels of coverage if you do need to file a claim, or they may restrict coverage once your pet hits a certain age.


  • It is essential also imperative to thoroughly understand the company’s definition of pre-existing conditions or any other items that would be not covered by any type of policy.




Step #3 —  Review Prices and Value



When it comes to medical care, cheap isn’t always a good thing. Compare both prices and coverage to find the best total overall value — not just the lowest price.


jack russell secretary dog typing on a typewriter keyboard , isolated on white background, wearing a crazy afro wigComparison Tips


  • Pay attention to deductibles. Some plans offer per-incident or per-condition deductibles that you must pay for each claim or condition.


  • Others plans offer annual deductibles that you must pay for only once for every 12-month policy term.




Step #4 — Pick The Best Plan for Your Breed


There are two types of plans:


   1.   Complete Plans that offer total health protection, including genetic disease coverage.


   2.   Limited plans that covers accidents, illnesses or routine care only.




Coverage Tips


  • Learn about your pet’s health risks. For dog and cat breeds that are prone to certain diseases, it may be wise to avoid limited plans.
  • Understand all of the plan’s limits and exclusions before enrolling.





Step #5 —  Research The Company’s Reputation

English-Bulldog-Dog-Insurance2When you think that you may have decided on a plan, take the time to read reviews by other pet parents before signing up. Review the company’s customer satisfaction record, claims paid out, and financial stability.



hero dog with cape

Research Tips


  • Rather than reading a variety of reviews on unverified websites, find one trusted resource to review and compare plans.


  • Ask other pet parents or talk to your veterinarian about pet insurance recommendations.





Don’t Buy Pet Insurance Until You Can Answer Yes to The Following Questions:


  • Do you understand the reimbursement amounts?


  • Do you know what is covered what is excluded?


  • Do you know the type and amount of your deductible?


  • Do you know if your pet’s plan covers everything or just the basics?


  • Have you read good reviews about the insurance provider?






Pet insurance is one of those things that may mean nothing one minute and everything the next. Don’t wait for a medical emergency to learn about pet insurance.


The wrong coverage can mean the difference between life and death for some pets.


Finding the best pet insurance plan will give you peace of mind, knowing in advance that your furry friend is covered against any unexpected health problems.


If you are still confused, trying checking out our Pet Insurance FAQs to brush up on some basics.

  1. Reply
    Starla Brunson 02/16/2016 at 5:42 am

    My two dogs are young and healthy, so I am more concerned about being covered in case of an accident and I need the coverage. I have four of the five steps covered, but the first one has me still unsure. I don’t know if it is smarter to have a fixed reimbursement or a percentage one. I am thinking fixed so that I would know ahead of time around the amount that is going to be needed. I have no idea how much a vet bill would cost if per say one of my dogs where to get a broken leg or need some sort of surgery. Has anyone had to use their pet insurance coverage and can recommend what would be the better reimbursement to choose?

    • Reply
      Fran 04/03/2016 at 3:48 pm

      Yes I go with fixed, however it can be a gamble if you r dog has lots of smaller minor ailments then you still pay out quite a chunk of that.

  2. Reply
    Jim Liston 03/23/2016 at 4:34 pm

    Buying pet insurance can be an intimidating process but thanks to the information you’ve given here, it seems much less daunting! Following the five steps you’ve given makes it possible for me to confidently choose an insurance plan that will fit all of my pet’s needs. I thank you for all the hard work you’ve done for pet owners to find a plan that will give us peace of mind that our pets are covered against any unexpected health problems.

  3. Reply
    Jessica Edwards 03/26/2016 at 5:49 am

    I would imagine that deciding which type of pet insurance coverage to get would have a lot to do with what breed you are getting but I would think that when getting a new pet the complete coverage would be the way to go. One of my dogs had a congenital birth defect but we did not find out about it until he was about four months old at a vet visit. If you have the partial coverage and then find something like that out then it would be considered a pre existing condition and would probably not be covered later on.

    • Reply
      Fran 04/03/2016 at 3:47 pm

      Yes breed is a big factor, obviously crossbreeds are less expensive because they have less health problems.

  4. Reply
    Fran 04/03/2016 at 2:49 pm

    These articles are really helpful. Choosing the right pet insurance can be a mind field, when I first got my dog I was so confused! To anyone looking for pet insurance – read the helpful articles on this site! They really help break down the things to look out for.

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