Puppies have a lot going for them based on cuteness alone, but they also have a high risk of getting injured or sick. Their curious nature can lead them into any number of hazardous materials and situations. And their immune systems are not yet fully developed, increasing their chances of illnesses.
Protect your puppy with pet insurance and you can enjoy the peace of mind that comes from knowing you have his best interests (and your vet costs) covered. Most plans enroll puppies as young as 8 weeks old. Use these five tips to pick the plan that works best for you.
#1—Review the Reimbursement Types
Puppy plans can reimburse a percentage of the actual vet bill or according to a set benefit schedule. Set benefit schedules give you a set amount for each specific illness. Percentage-based plans give you a percentage of the covered costs on your vet bill.
Quick puppy tip: Some percentage-based plans may not cover things like vet exams. Review the details so you know what costs you’ll be responsible for.
#2—Know What’s Covered and What’s Not
Sample policies outline exactly what’s covered and what’s excluded. Pre-existing conditions are never covered, so enrolling ASAP reduces the chance of your puppy developing any health issues before coverage begins.
Quick puppy tip: Spot-check if a plan’s coverage changes for any reason over the life of your puppy, such as when you file a claim or he hits a certain age.
#3—Check out Coverage Levels
From basic illnesses to hereditary and congenital conditions, plan coverage can vary widely. Choose a plan that covers the health problems associated with your puppy’s breed.
Quick puppy tip: Wellness coverage for puppies can help pay for the additional vet visits and routine care they require over their first year. If wellness coverage is offered, it can be part of the base plan or added as a rider.
#4—Look at price as well as value
The lowest – or highest – price doesn’t necessarily mean you’re getting the best value. Put your quotes and plans side-by-side to compare what you’re getting for the monthly premium.
Quick puppy tip: The amount and type of your deductible contributes to value. Annual deductibles are paid once every 12-month policy period. Per-condition or per-incident deductibles are paid for every condition or vet visit.
#5—Consider Company Reputation
Spot-check company reviews, history, track records and other info that ensures you’re choosing a trustworthy company that’s here to stay.
Quick Puppy Tip: Companies can pay to use the name of well-known organizations, even if the organization has no association with the pet insurance. Pick a company that’s reputable on its own.
The sooner you can get your puppy enrolled in pet insurance, the sooner you can breathe easier knowing his health care needs are covered. Start collecting quotes and comparing plans today.