How to purchase pet insurance

According to the American Veterinary Association, more than 80 million American households have at least one pet. Responsible owners make sure their animal companions have access to food, water and a clean sleeping area sheltered from the environment. A pet should also have access to medical care. Sometimes providing health care for a pet can be expensive. In that case, pet insurance is a good option. Purchasing pet insurance is one way to make sure you can meet any unexpected medical need your beloved pet may have, even if you are short on funds.

Instructions

• 1

  Search for companies that offer pet insurance. Many local humane societies have low-cost plans for people who adopt. A veterinarian can also suggest several options. Pet stores and pet medication retailers may also offer inexpensive pet-insurance plans.

• 2

  Buy pet insurance from a reputable organization. The business selling the pet insurance should have a detailed plan for you to view before you purchase. Customers should be provided with references and a list of satisfied customers.

• 3

  Investigate what is covered under the term of the insurance plan. A pet-insurance plan should ideally cover a pet's medical needs in the event of illness or an accident. Should your pet get cancer or get run over by a car, the insurance should pay all or part of the related health-care costs. You should know in advance about any required co-pays or additional uncovered fees.

• 4

  Research what veterinarians are covered under the pet-insurance plan. Oftentimes, the insurance provider will have a list of participating veterinarians. If you have a favorite local vet, find out if the plan is accepted at the practice. If it is not, ask the vet if he would be willing to join the plan. A list of veterinarians who participate in the plan should include details such as the vet's address and specialty.

• 5

  Investigate costs. Pet-insurance costs vary widely. Some pet-insurance plans will require only an annual fee. Others can be paid monthly. Some insurance plans charge more for animals below or above a certain age. A plan may also charge more or less if you own a certain breed or an exotic animal such as a ferret. Know what payments are required and when they are necessary.

• 6

  Research the different levels of care available. Many plans offer multiple options. A plan may provide basic coverage that provides compensation in case of a simple accident and minor illness. Plans may also provide for extras such as therapeutic medications, surgery and laboratory costs.