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4. Can You Choose Any Vet or Are You Restricted
to a Network? Look for pet insurance plans that allow you to visit:
- Your Choice of Provider
Be sure you’re allowed to
visit your current pet health care provider or any other licensed Vet of your choice. Don’t buy a policy which requires you to
select a doctor you don’t know from a list.
-
After-Hours Emergency Coverage
Be sure you’re
covered for illnesses and accidents that arise after normal business
hours, such as coverage for emergency care at 2:00am. Also, be sure your
use of the emergency clinic doesn’t reduce the amount of coverage
allotted for follow-up care.
- Specialists
Be sure you’re covered for visits to
specialists, such as Ophthalmologists (eye care) and
Oncologists (cancer), when needed.
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5. Who Determines What Treatment Your Pet
Receives?
Look for plans that allow you and your
Veterinarian to determine the best treatment for your pet. When
your pet needs a treatment your Vet recommends, you don’t want to
have to worry if it’s included on the benefit schedule or not.
Choose a
pet insurance company that doesn’t limit your benefits by dictating
coverage of specific treatments only, with a complicated fee or benefit
schedule.
6. What is Excluded?
Look
at what is not covered; these are commonly called exclusions. Determine if
a pet insurance plan’s list of exclusions is too broad or excludes treatments you would
want for your pet. Avoid plans with broad or long lists of exclusions. You
should also be cautious if a pet-insurance provider doesn’t provide you
with a list of hereditary exclusions prior to buying a policy.
Pet Insurance
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