We all think about insurance for our cars, our homes, even ourselves when we travel out of New Jersey. Yet some of us forget the importance of pet insurance. Before you leap into the first pet insurance policy you find, there are some things you need to know about pet insurance to make the right choices for you and your family.
- Accident coverage. Obviously you need to know what the insurance covers when an accident happens. You need to know what specific types of accidents the policy will cover, too. Will the insurance policy cover bite wounds from encounters with other pets? What about wild animal encounters, or aggression from human beings? Some policies might cover accidental swallowing of household chemicals and other items, but you need to know before you buy what your policy will cover when your pet becomes injured in an accident.
- Illness coverage. Does your pet have a pre-existing condition? If you are concerned about pet insurance coverage, it is best to find out whether your pet’s pre-existing conditions are covered. Some conditions may be breed-specific, such as breathing problems in pugs. Other conditions might evolve over time as your pet ages. When buying pet insurance, find out what it covers, and what the deductibles will be too. For example, your pet insurance might cover advanced care and extended coverage to include medications. The best policies will, but before you start paying those premiums, find out which insurance is right for you.
- Preventative Care. You know the saying, “An ounce of prevention is worth a pound of cure.” This is as true for pets as it is for people. If you take care of your pet’s teeth and physical health, as well as providing a safe and loving environment in the home, then you can help your pet avoid health problems in the future—and also reduce your long term costs. Some pet insurance policies cover preventative care services like regular vet checkups.