11:08 18 February 2013
Unfortunately for some pet owners, taking out dog insurance isn’t easy as it may sound. You see, although there are several insurance companies out there, the policies that they offer aren’t exactly the same.
Keep in mind that the cheapest plans are not always the best, and that getting the most expensive plan shouldn’t always be the case either. The key is knowing what your pet needs so you’ll get the appropriate coverage, and just pay for what your pet can use in the future.
Here’s your guide in buying dog insurance:
1. Identify breed-specification conditions. The first step is to know the specific conditions that will most likely affect your dog. Different breeds will have different genetics. So, do your research and if needed, make a list.
2. Know the payout limits. This is where insurance companies usually differ. Most of them offer the same coverage like X-ray, surgeries, etc. However, not all of them have the same payout limits.
Obviously, this is one thing that you need to consider. If a certain dog insurance offers very low payout limits, don’t take it even if it is cheaper compared to other policies.
3. Know the benefit schedule. This is a document issued by the insurer containing the list of allowances paid for a given treatment and diagnosis.
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