to choose a pet insurance plan
the plan cover genetic and breed-specific conditions?
You want these covered, even for mixed breeds, because it's not clear what is and isn't hereditary or breed-specific.
This includes things like hip dysphasia, luxating patellas and cardiomyopathy.
2. Does the plan cover chronic and recurring illnesses?
Be careful. Some plans consider things that happened in
your first year of coverage to be pre-existing in the second year.
3 What is and is not covered?
Is it clearly stated in the web site?
4. Are there per-incident limits that limit the amount you could receive back?
Some plans have a $3000 per-incident limit, so if
you had a claim for $5000, the most you would get back would be $3000
5. What are the rules about pre-existing conditions?
Are they excluded permanently or temporarily? If you have
questions about your pet, check before enrolling.
Does the plan reimburse claims based on a benefit schedule or the actual veterinary bill?
Try to find a plan that reimburses based on the actual veterinary bill.
7. Are there other
may not accept pets over a certain age or may limit coverage for older dogs.