If you have a pet that’s more than a pet to you, if they’re family you’ll know just how important they are to you. As such, they should be financially protected as you protect yourself with health insurance. In Australia, we have many pet insurance companies that can help you keep your loving furry friend covered for life. Some of these companies work with pre-existing conditions to help your pets get through their illnesses or disorders without having to sacrifice your wallet.
Likewise, different pet insurance companies have different policies with varying exclusions, reimbursement levels, and waiting periods. These policies have different pricing and payout limits so you can choose the right insurance for your pet without overpaying. Your furry friend deserves the best insurance out there for themselves so they can continue living a carefree and healthy life by your side.
iSelect will help you choose the right insurance with their comparison tool. iSelect is Australia’s go-to website to help them compare insurances and other products like Internet service providers, utilities, home loans, and mobile phone plans. You can rest assured that you will find the best pet insurance with iSelect’s comprehensive comparing algorithm and proven successful services. Here are three things you should consider when choosing the best pet insurance for your furry friend.
1. Covered Incidents and Treatments
One of the first things you’re going to want to check out is which incidents are covered. If you’re the type of pet owner that’s always on the go with your best furry friend, then this can be of ultimate importance in your insurance search. If your outings with your pet go beyond the after-dinner walk around the neighborhood, then you’re going to need more coverage than the average pet owner.
If this is your case, then you may want to opt for a more comprehensive insurance plan that covers accidents such as car accidents or poisoning, as well as illnesses like cancer or diabetes. These more comprehensive insurance plans may cover continual and behavioral treatments as well as exam fees and routine care. Some of the alternative treatments covered by these insurances include acupuncture and even chiropractic care.
2. Enrollment Policies
Likewise, you’re going to want to keep an eye out for enrollment rules and policies when comparing pet insurance plans on iSelect. Enrollment rules can be easy for young and healthy pets as they won’t require much treatment and the most basic of plans may completely cover them. However, if your pet has plenty of dog years on its tail, some insurance companies will not cover them or may require you to pay a higher premium as they are more prone to illnesses and accidents due to their age.
Some pet insurance companies may even go the distance as to require your dog to have a vet visit within the past year or so in order to undergo an entrance exam. Some insurance policies will only cover a specific type of dog or cat breed, size, and age. This way, they can be covered for many common issues pets may face depending on their pedigree.
Lastly, it’s important to pay attention to the deductibles you’ll have to pay out of pocket before the insurance company begins paying. Some insurance plans may cover this annually as well as reset it on a yearly basis as well, just as with human health insurance. Additionally, some insurance plans may require you to pay a deductible for a certain medical treatment, which will have to be paid again for every other different treatment your pet may develop over the course of the year.