Many pet owners wonder, Do I need to buy my pet insurance? There are many reasons to do so. It is important to know that not all policies are the same. Insurers often cancel their policies because of nonpayment of premiums or fraudulent information. The same is true for a pet insurance policy when they issue a new policy, but you should always check that it covers your pet under the previous policy. In some cases, the company will replace your pet insurance policy with a new one without a problem.
Most pet insurance companies cover genetic conditions. Others have age limits and waiting periods before covering them. While some medical conditions can be treated with appropriate care, behavioral issues are the leading cause of pet surrender and euthanasia. Often, treating these conditions can take multiple visits to a vet and require referral to a specialist. For these reasons, it is best to have your pet insured through a pet insurance company. But it can also be expensive.
Before purchasing a policy for your pet, do some research to make sure that it is affordable and comprehensive enough. Read customer feedback and look for customer service with multiple channels of communication. Compare the coverage and premiums of several companies. Look for a policy with an annual deductible and a per-incident deductible. Annual deductibles are ideal for pet owners with accidents-prone pets. Also, consider whether or not a plan allows you to apply your deductible to vet bills of any kind.