Best Pet Insurance in Illinois – Forbes Advisor

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A good way to find a fair price on pet insurance is to compare pet insurance quotes from multiple insurers.

But price shouldn’t be your only consideration. Many pet insurance companies offer other benefits and benefits that can benefit the care and well-being of your furry friend. Here are some things you can do to find an insurer that offers the benefits you want or need.

Look for insurers that offer 24/7 veterinary lines

Pet owners know that an accident can happen at any time. You don’t always know what the best course of action is when trying to care for your pet. For this reason, some insurers offer 24/7 veterinary helplines to connect you with veterinary experts who can answer your care questions, no matter the time of day. . Selecting a pet plan with a 24/7 veterinary helpline can give you peace of mind.

Compare wait times

A waiting period is the time you must wait until your coverage takes effect. The duration varies by insurance company. For example, Embrace has a two-day waiting period for crashes, while TrustedPals has a 14-day waiting period for crashes. Because accidents happen when you least expect them, choosing a shorter waiting period is advantageous.

Some pet plans apply an extended waiting period, often six months to a year, for certain conditions. For example, Pets Best has a six-month waiting period for cruciate ligament issues. If it’s common for your pet to have this problem, you may want to avoid pet plans with extended waiting periods.

Look for routine wellness coverage

Routine wellness coverage pays for preventative care, such as vaccinations and wellness exams. Not all pet insurance companies offer routine wellness coverage. If you want preventive or routine care covered, it’s important to find a pet insurance company that offers a wellness plan.

Ask about discounts

Many pet insurance companies offer discounts, including a multi-pet discount when you insure more than one pet. Some even offer military discounts or employee discounts. Asking about discount opportunities can help you compare insurers and find the most affordable coverage.

Ask about direct payment from your veterinarian

Usually, when you submit a pet insurance claim, you must pay the full balance up front before the insurance company reimburses you. However, companies like Trupanion pay the vet directly. It is important to note that direct payment procedures vary by insurer, so contact your veterinarian to see if they are willing or able to accept direct payments. For example, Trupanion requires your vet to have their treatment software to pay your vet directly.

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