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How To Get Pet Insurance (And Save Money)

Cute cat in the clinic
There are reliable ways to find affordable pet insurance plans.

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When it comes to sound financial planning, it’s always wise to do your homework.

If you are not an expert in a certain field, you should avoid impulse buying. This is especially true when it comes to products that have a long shelf life and long payback periods, such as mortgages, student loansand Car and life insurance.

When it comes to Insure your pets, the instructions remain the same. Just as you don’t want to be stuck with inadequate or expensive insurance for you or your family, you should also make sure you’re properly covered with your dog or cat.

If you are in the market for pet insurance or want to extend your pet’s protection, it helps to speak to a professional. They can answer your questions and create an offer so you know what to expect.

Here are three ways to get pet insurance (and save money).

Shop and compare providers

It’s always smart to compare services. It’s no different with pet insurance. Before signing up on the dotted line, make sure you’ve checked out several insurance companies to see what they offer (check at least three). This will help you get a basic understanding of coverage plans and costs. You also don’t pay too much if you know the industry standards.

Just make sure you do an apples-to-apples comparison so you know exactly what to expect. For example, if you get a quote for a 2 year old, 8 pound cat, get a quote for the same age, weight and breed type from a second and third party as well. This ensures that you have an accurate guess to evaluate.

Compare your options using the table below.

Start early

When it comes to shopping pet insurance It pays to start early. The premiums are cheapest when the animal is young and healthy. They steadily increase in price as the pet ages and health problems arise.

You should also get insurance before the animal’s health concerns become more common. Significant pre-existing medical conditions (such as diabetes) eliminate the likelihood that insurers will reimburse you for those conditions in the future.

So sign up with a provider while your cat or dog is young and healthy, otherwise it will be more expensive in the future.

Get medical advice

Your veterinarian is intimately familiar with a variety of cat and dog breeds. Accordingly, they will dial in on any health issues your pet may have (or is prone to). Talk to them and let them help you create a protection plan. They can help you customize your pet insurance so you only pay for what you need and not for what you don’t need.

This will help you save money and ensure that the insurance you end up getting is valuable.

Other considerations

There are other reliable ways to make sure you Don’t pay too much when buying pet insurance.

For example, consider an accident-only policy, which may not be as comprehensive but still gives you adequate protection at a reasonable price.

Not sure what type of pet insurance your dog or cat qualifies for? Speak to a pet insurance expert today who can help you create an affordable plan.

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