A good way to find a fair price on pet insurance is to compare pet insurance quotes from multiple companies.
While price and coverage are important factors in finding the best pet insurance in Arizona, other factors are worth considering. Here are additional things to look for when comparing plans.
Many pet insurance companies offer additional benefits. For example, Figo offers a Pet Cloud that helps pet owners organize medical records and appointment schedules. Another example is Nationwide, which offers policyholders exclusive prices on prescription drugs through its partnership with Walmart. Plus, your pet plan can give you access to a 24/7 veterinary helpline to answer your pet-related questions, day or night.
No matter where you buy pet insurance, policies always have waiting periods, which is the amount of time you have to wait until your coverage begins.
Each pet insurance company sets its own waiting periods, so check before you buy coverage. For example, Embrace has a two-day waiting period for accidents, while Nationwide has a 14-day waiting period for accidents.
It is also important to check extended waiting periods applied to specific conditions, such as hip dysplasia.
Do you have several animals to insure? Some pet insurance companies offer a discount for insuring multiple pets. Additionally, pet insurers may provide other ways to save money by offering further discounts or a deductible that disappears when you don’t file a claim, such as Embrace.
When you take your furry friend to the vet, they will charge you a consultation fee to assess the injury or illness. Some insurance companies cover this cost while others do not. Check each pet plan to make sure it’s included in your policy.
Wellness care supplement
While many pet insurance companies, such as the ASPCA, offer supplemental wellness care, some do not provide this coverage. Adding wellness coverage to your plan can help pay for expenses and keep your furry friends healthy every year.
Direct payment from the veterinarian
When your pet goes to the vet, you must pay the entire bill up front before the pet insurance company reimburses you for the vet costs. But some pet insurers, like Trupanion, pay the vet directly if your vet has installed their unique software. Paying veterinarians directly can ease the financial burden of large veterinary bills.
When caring for your pet, you probably don’t want to face a lengthy claims submission process. Many pet insurance companies have simplified the process by allowing you to submit all claims through an app or online. Purchasing insurance from a company with a simple claims process will likely give you peace of mind.