Thinking about pet insurance?

Tips for choosing a pet insurance company:

Choose a stable company that's been in business for a while.
Look for a company with veterinary professionals on staff.
Do not choose plans that limit your choice of vets or hospitals.
Stay away from plans that have waiting periods.
Examine cancellation policies: will the insurance company reimburse you for premiums?
Choose a policy with broad coverage.
Know what is not covered; accidents, accidents and illness, preventative care?
Understand pre-existing clauses and what happens upon renewal.
Check to see what if any breeds are not covered or if higher premiums are charged.
Review age limits.
Look for multiple pet discounts.
Understand how claims are paid; what needs to be submitted, how long does payment take?
Review deductibles, co-pays and caps on coverage.
Analyze the cost of insurance against what out of pocket expenses are likely to be.
Determine if the policy is likely to meet expectations.

Tips courtesy of Horizon Veterinary Services