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How to Buy Pet Insurance Online: A Simple 4-Step Guide

It can be tricky to find affordable insurance that you can count on; pet insurance is no exception. Although shopping online for the best insurance can be a time-saving option, it can be hard to know where to start. Here is a quick 4-step guide to purchasing the best pet insurance online.

1. Choose Your Coverage Type 

Insurance plans can vary in type and price, so the best starting point is to decide what kind of coverage your pet will need. Whether you have a new kitten or an elderly dog, you will need to evaluate your pet’s needs and shop accordingly.

You can select an all-inclusive plan that will cover medical expenses and pet wellness, or you can pick and choose. Whichever you decide on, bear in mind that the more comprehensive the coverage plan, the higher the cost will be. (Pet Insurance vs Wellness Plan: Whats The Difference?)

2. Pick Your Reimbursement Type

Just like insurance plans can vary in coverage type, plan reimbursements can also vary in type. You’ll want to read the benefit plan carefully to determine which type will be featured in your plan. 

Two common reimbursement types are the percentage of invoice and the benefit schedule. With the rate of invoice option, you will get a percentage of what you pay the doctor upfront. The benefit schedule option is not dictated by treatment cost but will reimburse you a set amount for each pet condition.

3. Understand What Your Pet Insurance Will Cover 

When shopping online for pet insurance, the best favor that you can do for yourself and your beloved pet is to read through your plan thoroughly. Often the difference between good or inadequate insurance coverage can be hidden in the fine print. 

Make sure that you are performing thorough research about what each plan covers. If anything is unclear, be sure to call the insurance company and get a clear explanation. It is always better to make sure that you understand your pet’s coverage, particularly when it comes to pre-existing conditions, before purchasing a new plan.

4. Pick a Company You Can Trust 

Choose the insurance company with the best reputation and coverage. Read reviews and do your due diligence when it comes to making this critical decision for your pet. Selecting a company that values affordable rates and excellent customer service will make you and your pet feel more comfortable. 

You shouldn’t invest in a cheap insurance plan that covers part of your pet’s needs, but neither should you pay more for a policy because of a company’s name recognition. Choosing an insurance company that you can put your trust in will save you time and money in the long run.

A Genuine Plan

Detailed research and a comparison of benefits will result in an insurance plan that you will be happy with. Your pet will benefit from having an excellent insurance plan, getting them the quality care that they deserve. Choosing the best insurance plan will give you a healthier pet to love for years to come.

Updated on April 13, 2020

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